Investments
I employ a disciplined investment strategy that prioritizes long-term results. I carefully assess my clients’ risk tolerance and aim to align it with their investment objectives.
Asset Allocation and Sub-allocation
I aim to create an investment portfolio that aligns with your goals by using the appropriate mix of investments.
Asset Location
Strategically holding investments in the various account registrations to increase your after-tax returns.
Tax-Efficient Investing
By using asset location and other factors helping you to increase your after-tax returns and keep more of what you earn.
Tax Loss Harvesting
Harvesting losses throughout the year to offset capital gains taxes over your lifetime.
Monitor
Keep track of the positions and determine if they need to be replaced.
Rebalance
Seek to realign your portfolio to its target asset allocation periodically to manage risk in the portfolio.
Discipline
Staying invested during market downturns, sticking with your investment strategy through a full market cycle, and avoiding the temptation to time the market.
Frequently Asked Questions About Investment Management
What is your overall investment philosophy?
At Synergy Wealth Management, My strategy is built on diversification. I carefully balance different asset classes to manage risk and ensure your portfolio doesn’t rely too heavily on any single market sector.
To keep your plan on track, I use a “buy and monitor” approach. For most portfolios, I utilize low-cost funds that provide broad market exposure efficiently. For larger, more complex portfolios, I can transition to individual stocks and bonds, allowing for a more customized level of control and precision.
How often do you adjust or "rebalance" my portfolio?
I don’t believe in trading just for the sake of trading. Instead, I continuously monitor your accounts and rebalance whenever the market moves your investments too far from your original target. On average, a portfolio might require four to six adjustments per year. However, this frequency depends entirely on market activity; during periods of high “volatility” (significant price swings), I may step in more often to protect your intended risk level.
How do you help me save on taxes?
I believe that what you keep is just as important as what you earn. My tax-management strategy includes three key pillars:
- Strategic Selling: I look for opportunities to sell certain investments at a loss to “cancel out” the taxes owed on your winners. This is a process known as tax-loss harvesting.
- Tax-Efficient Selection: I prioritize investment vehicles that are designed with a goal to generate lower tax bills, helping you pursue wealth goals more effectively over time.
- Capital Gains Budgeting: You can work with me to set a specific “tax budget” for the year. If rebalancing your portfolio would trigger a tax bill that exceeds your budget, I can delay those trades with the goal to keep your costs lower.
Deep Dive: For more detailed articles on integrating tax planning into your wealth strategy, please visit our Blog and filter for “Investing” or “Taxes.”