Diversify outside the company
Balance business ownership, employer stock and other concentrated holdings against the risk in your investment accounts.
Investment management builds and maintains your portfolio around cash needs, taxes, time horizon and risk. It is included in ongoing wealth management.
Your personal portfolio should reflect that exposure—not add more risk without a purpose.
Balance business ownership, employer stock and other concentrated holdings against the risk in your investment accounts.
Separate upcoming taxes, household reserves and planned purchases from money available for long-term investing.
Coordinate investment sales, retirement contributions and withdrawals rather than judging each account in isolation.
Your investment policy sets the allocation, liquidity needs and limits that guide the work.
Choose asset classes, funds and securities around your goals, risk capacity and investment costs; implement the agreed portfolio.
Use contributions, distributions and trades to manage allocation drift while considering taxes and transaction costs.
Evaluate realized losses against gains and wash-sale restrictions, including activity in related accounts.
Consider which investments belong in taxable, tax-deferred and Roth accounts based on tax treatment and withdrawal needs.
Compare gradual sales, available losses and charitable gifts of appreciated securities when reducing a large stock position.
Plan account distributions and cash reserves, monitor results against the portfolio’s purpose and revisit risk as circumstances change.
Investment decisions
Owner income, tax projections and retirement timing determine how much to invest, where to hold it and when to withdraw.
Owner compensation and retirement contributions change what remains available for personal reserves and taxable investing.
A Roth conversion or approaching retirement can change the account mix and the cash needed to fund taxes and spending.
Coordinate tax-loss harvesting, realized gains and charitable gifts with the year’s income projection and related-account activity.
Suppose your business income is uneven, one stock dominates your taxable account, and you are considering a Roth conversion. Selling, converting and contributing to retirement accounts draw on the same tax and cash budget.
Hypothetical illustration, not a client result or a recommendation for your circumstances.
Financial planning
Set aside household spending, estimated taxes and business commitments before choosing a sale or conversion amount.
Investment management
Model a full sale against staged sales, considering concentration risk, realized gains and available capital losses.
Investment management
Compare conversion amounts with projected income and the cash available to pay the tax outside the IRA.
Retirement planning
Check how owner compensation and business-plan contributions affect taxable income and money left to invest.
Investment management
Rebalance the remaining holdings and coordinate purchases to avoid undermining a tax-loss-harvesting strategy.
We consider your time horizon, expected withdrawals, reserves and capacity for losses, alongside your comfort with market swings. We revisit that assessment when your circumstances change.
Bring portfolio management, financial planning and tax planning into one ongoing relationship.
Compare gains, conversions and contribution decisions before acting.
Set the cash needs and priorities that guide your investments.
Discuss your needs in a complimentary 20-minute introduction. See how we work before your call.