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Investment Implementation

Household approach to orderly investing

Our investment implementation for you is impacted partly by whether you will ACCUMULATE wealth over the near term, or whether your portfolio will be a DISTRIBUTOR of your previously accumulated wealth.

We can position your holdings to provide for your cash needs, both routine and event driven.  We recognize that needs are often staggered in time and can be planned for accordingly. Income tax considerations may also significantly impact our implementation choices. No single investment strategy works for all of your goals.

Many factors impact good stewardship in the investment implementation process. We develop your household's strategy based on highly customized, short and long-term considerations including synchronizing asset diversification and cash withdrawals across all account types and owner registrations.

Some Short-term Considerations

  • Monthly cash income needed, if any:  many clients need income monthly from their holdings.  We could turn this “water faucet” on at any time.  Are you ready to retire?
  • Income Tax Bracket: We always want to consider your individual marginal tax bracket when deciding where funds should be withdrawn.
  • Periodic lumps of cash needed:  Planning withdrawals for reoccurring but not monthly periodic needs (i.e. property taxes, insurance premiums, Christmas, etc.)
  • Emergency liquidity: A certain portion of investment holdings may be illiquid.  But most should remain available upon short notice.
  • Short to intermediate market trends:  Helping clients discern the ability to “time” withdrawals helps reinforce “buy-low, sell-high.”

Some Long-term Considerations

  • Event-driven liquidity:  Planned withdrawals for major bi-annual travel, home improvements, children marriages, etc. involves placing constraints on the portfolio to allow for liquidity “in the proper season”.
  • Long-term growth:  Don't give up on opportunities for good growth over time.
  • Meeting target return expectations
  • Long-term or “Primary” market trends: Investing as long as “the trend is our friend”.
  • Ill-liquid or nonliquid investments
  • Future Income Tax Brackets
  • Purchasing power preservation
  • 25-year plan
  • Estate transition