investment management
about our investment philosophy
We believe true wealth management isn’t about chasing hot stocks or predicting market swings—it’s about building disciplined, evidence-based strategies that align with your life goals and using a systematic approach to manage them.
Your portfolio is designed around your financial plan, not market trends. We focus on low-cost, tax-efficient investments tailored to your risk tolerance and goals.
Building A Diversified Portfolio
We design low-cost, tax-efficient portfolios — what to invest in — using a mix of global assets built to support your goals and risk tolerance.
This approach called Strategic Asset Allocation is the foundation of your investment plan, setting a target mix of stocks, bonds, and other assets tailored to your long-term objectives and comfort with risk.
Diversification across asset classes, sectors, and geographies reduces the impact of any single investment’s poor performance and increases the likelihood of capturing growth wherever it occurs.
A well-diversified, strategic asset allocation is critical for long-term investors, helping smooth returns and protect against market volatility.
Asset Location
We use Asset Location — where to put your investments — placing those investments in the right types of accounts (taxable, tax-deferred and tax-exempt accounts) to help boost your after-tax returns.
By placing the most tax-inefficient assets (like taxable bonds) in tax-advantaged accounts, and holding tax-efficient assets (like broad stock index funds) in taxable brokerage accounts, you can reduce the annual "tax drag" on your portfolio. Typical Implementation:
- Tax-Deferred Accounts (Traditional IRA, 401(k)): Best for high-yield, tax-inefficient assets (e.g., taxable bonds, REITs).
- Tax-Free Accounts (Roth IRA): Good for assets with high growth potential, since qualified withdrawals are tax-free.
- Taxable Accounts: Favor tax-efficient assets (e.g., index funds, ETFs, municipal bonds) that generate primarily long-term capital gains or qualified dividends.
Over time, an asset location strategy can add extra wealth without taking on more risk or changing your investment mix.
Monitoring and Rebalancing
Over time, your investments can drift from your original plan. We regularly monitor and adjust your portfolio, so you stay on track — keeping your portfolio aligned with the plan
The principal purpose of rebalancing is risk management — to maintain a target asset allocation which reflects your goals and risk tolerance. It is a disciplined, systematic approach that helps avoid emotional decisions like chasing performance or panic selling.
Tax-Loss Harvesting
We offset taxable gains with strategic losses, keeping more money working for you.
We help reduce your tax bill by selling investments that have gone down in value, which can offset gains from other investments, lowering the amount of taxes you owe on your investments for the year.
A common question is: “If we’re selling at a loss, aren’t we missing out if the market goes back up?” The answer is: you’re still invested. We use the proceeds to buy a similar investment for your portfolio. This means your overall investment strategy and risk level stay the same, so you don’t miss out on potential market gains during this period.
Why do we use “similar” not “identical” investments? The IRS has a rule called the “wash-sale rule,” which says you can’t buy the same or a “substantially identical” security within 30 days before or after the sale if you want to claim the tax loss.
guidance and coaching — Beyond Portfolio Management
Managing your investments is just the start. We’re here to help you navigate every twist and turn of your financial journey, providing support and perspective when you need it most.
It’s completely normal to feel anxious about your investments—even with a solid plan in place. That’s why our partnership goes beyond portfolio management. We’re by your side to help you keep perspective, whether you’re tempted by the latest investing trend or worried during market downturns.
Our role is to help you stay focused on your goals and make confident decisions, especially when emotions run high. Through proactive, clear conversations, we work together to help you stick to your plan—so you can achieve the outcomes that matter most to you.
While markets are unpredictable, our disciplined process focuses on the levers we can control to help you achieve your goals.
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Advisory services offered through Pillar Point Wealth Management LLC, an investment adviser registered with the state of California. Advisory services are only offered to clients or prospective clients where Pillar Point Wealth Management LLC and its representatives are properly registered or exempt from registration.
The information on this site is not intended as tax, accounting or legal advice, nor is it an offer or solicitation to buy or sell, or as an endorsement of any company, security, fund, or other offering. Information provided should not be solely relied upon for decision making. Please consult your legal, tax, or accounting professional regarding your specific situation. Investments involve risk and have the potential for complete loss. It should not be assumed that any recommendations made will necessarily be profitable.