Wealth Management San Francisco

Why Our Wealth Management Approach Is Different

We believe wealth management should be about more than managing an investment portfolio.

Your investments are only one part of your financial life. That’s why we combine investment management with comprehensive financial planning. Together, we address the decisions that can affect your wealth, both today and in the future.

As your life changes, your financial strategy can change with you. We remain involved and help you make informed decisions along the way.

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Investment Management

Our investment management approach is powered by our BESPOKE ALPHA® strategy.

We build portfolios around your goals, risk tolerance, time horizon, and financial circumstances. Our portfolios may include individual stocks, mutual funds, and ETFs.

We also look beyond investment selection. We monitor your portfolio and look for opportunities to rebalance, harvest tax losses, and improve tax efficiency.

For example, we consider how investments are placed across your different accounts. This tax-aware approach can help improve your portfolio’s long-term efficiency.

Clients also have access to detailed performance reporting through our reporting platform.

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Comprehensive Financial Planning

An integral component of our wealth-management relationship. Planning is part of our ongoing wealth-management relationship. This allows us to connect your investment strategy with the rest of your financial life.

Depending on your needs, planning may include:

• Retirement and income planning
• Advanced tax planning
• Roth conversion strategies
• RSU and equity compensation planning
• Cash-flow planning
• Estate planning
• Risk management
• Charitable giving
• College planning

Your financial plan is not a one-time document. We update your strategy as your goals, finances, and life circumstances change.

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Tax-Aware Wealth Management

As your wealth grows, your tax situation can become more complex.

We consider the tax impact of your investment and financial decisions. This may include tax-efficient asset allocation, tax-loss harvesting, asset location, Roth conversions, and other tax-aware strategies.

When appropriate, we also work with your CPA or other tax professionals. This helps keep your investment and tax strategies aligned.

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Retirement Planning

Retirement brings new financial decisions. We help you determine how your investments, income, and spending needs can work together. We also help you develop strategies for taking income from your portfolio.

As your needs change, we can adjust your strategy along the way.

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Estate & Legacy Planning

Wealth management also includes planning for the future of your family. We help you consider how your wealth can be preserved and transferred to the people and causes that matter to you.

When needed, we coordinate with your estate-planning attorney and other professional advisors.

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Risk Management

Protecting your wealth is just as important as growing it. We look at the risks that could affect your financial security. We then help you determine how those risks should be addressed.

This may include insurance, portfolio strategies, or other forms of risk management.

College planning

Many of our clients wish to help their children with their future college expenses. With the ever-rising cost of a college degree, it becomes crucial to be proactive and strategic in your approach to save for your kids’ higher education. We believe that 529 plans are one of the best tax-advantaged ways to save for college. In addition, we will craft a college savings strategy that best suits your family needs.

Charitable Giving

Many of our clients are philanthropic and want to contribute to worthy charitable causes. For our philanthropic clients, we will offer a personalized charitable giving strategy that maximizes the impact of your donations with respect to your financial and tax circumstances.

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A Boutique Practice by Design

We serve a select number of households.

We don’t believe that wealth management should be a high-volume business. By maintaining a limited client base, we are able to develop a deeper understanding of each client’s financial circumstances and provide a level of personal attention that is difficult to achieve in a large practice.

Our clients aren’t simply assigned a financial plan or placed into a model portfolio. We seek to develop long-term relationships in which we understand the people behind the numbers and remain actively involved as their financial lives evolve.

Our ideal relationship is one where you:

• Are looking for ongoing professional investment management.
• Value comprehensive financial planning integrated with your portfolio.
• Are seeking a long-term wealth-management relationship, rather than a one-time engagement.
• Prefer having an advisor who understands your full financial picture.
• Appreciate personalized service, accessibility, and direct communication.
• Want an advisor who can help coordinate the various financial decisions that accompany building, managing, and transferring wealth.

We do not currently offer stand-alone financial planning engagements or one-time financial plan reviews.