Build & Sustain
We offer portfolios to build and sustain financial independence.
Each dynamic portfolio is designed for:
goals-based investing.
clarity on what you own and why.
low operating expenses and $0 commissions.
Our clients benefit from:
tax-loss harvesting.
the complex made simple.
long-term, total return approach.
reinvestment or income streams.
Our portfolios benefit from:
disciplined process and allocation tilts.
active monitoring and rebalancing.
a focus on purpose, not noise.
no leverage or shorting.
Our Dynamic Portfolios
1. Diversified ETF Portfolios
2. Focused Stock Portfolios
3. Focused Stock & ETF Portfolios
1. Diversified ETF Portfolios
There are 5 diversified ETF portfolios, each constructed in varying degrees to help you manage risk while trying to build your investment. Each offers:
Broad diversification for less risk
Diligently select low-cost index and smart-beta ETFs to build a broadly diversified portfolio. The portfolios have U.S. and international stocks, fixed income, and varying exposure to the major market sectors and segments.
Disciplined process and allocation tilts
Each portfolio is professionally managed to a target allocation with the flexibility to directionally tilt major asset classes or seek favorable segments within asset classes. Our disciplined process seeks tilts and their frequency to be subtle, driven by proprietary analysis, and monitored against the target allocation risk.
Low costs
The average expense ratios are 0.07% to 0.20% within the Diversified ETF portfolios, 66% to 88% less than the industry average hybrid (balanced) mutual funds.¹
Also, the ETFs trade commission-free, making these portfolios ideal for dollar cost averaging and income distributions.²
¹Average is asset-weighted. Source: PlanDynamic as of December 31, 2022. Industry average expense ratio for comparable allocation of hybrid mutual funds: 0.59%. Source: Investment Company Institute as of March 2021.
²Assets held at Charles Schwab’s Schwab Advisor Services™ for $0 commission trades, online access, tax reporting, and statements.
³As of December 31, 2022. Source: Morningstar Direct Data.
At a glance:
Portfolios:
• Conservative
• Conservative Growth
• Moderate Growth
• Growth
• Aggressive
Holdings per portfolio:
9 - 16 ETFs
Cash - target allocation:
2% - 3%
Overall expense ratios:
0.07% - 0.20%³
Commissions per trade:
$0²
Minimum investment:
$5,000
Tax-loss harvesting:
Yes, accounts above $50,000
2. Focused Stock Portfolios
There are two focused individual stock portfolios, each designed differently to help build your investment. These are not suitable for all investors, given the select number of individual stocks.
Unlike fund managers investing in their 47th or 273rd best idea, we seek to meet the portfolio objectives by investing in our strongest convictions and being measured in allocation of capital. Furthermore, we share the philosophy that it is better to buy a wonderful company at a fair price than to buy a fair company at a wonderful price.
Dividend Growth & Income - All Equities Portfolio
Our process begins with a universe of companies deemed to have a competitive advantage inherent to their business. Proprietary analysis is designed to identify companies with the prospect of earning above average returns on capital, generating free cash flow to sustain and grow their dividend and are fairly priced by the market for capital appreciation over time.
Next, we select 20-30 companies and allocate priority utilizing relative strength characteristics to construct a portfolio seeking to deliver:
diversified dividend income streams.
growth of dividend income year over year.
capital appreciation over time.
Lastly, there is ongoing monitoring of holdings, allocations and candidates for consideration.
We believe this portfolio can help you build wealth and offset cost of living increases to sustain financial independence.
Focus - All Equities Portfolio
Our process begins with an universe of companies deemed to have a competitive advantage inherent to their business. Proprietary analysis is designed to identify companies with prospect of earning above average returns on capital, ability to sustain future cash flows for reinvestment of growth and are fairly priced by the market for capital appreciation over time.
Next, we select 20-30 companies and allocate priority utilizing relative strength characteristics to construct a portfolio seeking to deliver:
long-term growth of capital.
Lastly, there is ongoing monitoring of holdings, allocations and candidates for consideration.
We believe this portfolio can help you build wealth or be part of a diversified allocation to sustain financial independence.
²Assets held at Charles Schwab’s Schwab Advisor Services™ for $0 commission trades, online access, tax reporting, and statements.
At a glance:
Portfolios:
Dividend Growth & Income
Focus
Holdings per portfolio:
20 - 30 Individual stocks
Cash - target allocation:
2% - 3%
Overall expense ratios:
0.00%
Commissions per trade:
$0²
Minimum investment:
$100,000
Tax-loss harvesting:
Yes.
Automatic rebalancing:
Yes.
3. Focused Stock & ETF Portfolios
These portfolios are designed to integrate our diversified ETF portfolios with our two focused stock portfolios. For example, we may allocate 35% to our Dividend Growth & Income - All Equities portfolio, 65% to our Conservative Growth ETF portfolio. These type of customizable combinations offers:
Broader diversification
Diligently select low-cost index and smart-beta ETFs consisting of different asset classes to compliment our two focused stock strategies. To broaden diversification, the portfolios may add fixed income, international stocks, real estate and varying exposure to the major US sectors and segments.
Disciplined process to lower risk
Each portfolio is designed to lower overall risk of an all-stock portfolio over full market cycles. Our disciplined process determines asset class inclusion, correlations, ETF selection and ETF allocation percentages.
Active monitoring and management.
The portfolios are professionally managed with ongoing monitoring, considerations for tax-loss harvesting and automatic rebalancing over time.
²Assets held at Charles Schwab’s Schwab Advisor Services™ for $0 commission trades, online access, tax reporting, and statements.
³As of December 31, 2022. Source: Morningstar Direct Data.
At a glance:
Portfolios:
Dividend Growth & Income - All Equities or Focus - All Equities portfolios with our diversified ETF portfolios.
Holdings per portfolio:
20 - 30 Individual stocks
plus 9 - 16 ETFs
Cash - target allocation:
2% - 3%
Overall expense ratios:
0.03% - 0.10%³
Commissions per trade:
$0²
Minimum investment:
$200,000
Tax-loss harvesting:
Yes.
Automatic rebalancing:
Yes.
We will help you
think different.
focus on your why.
enjoy the journey.
Have a goal? Take this first step, then schedule a free consultation.
