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While we generally work with clients who have $1 million or more in investable assets, we consider each situation individually. Our objective is to provide value that exceeds our fee, regardless of portfolio size.

To design a strategy tailored to your situation, we'll need a comprehensive view of your financial landscape. This includes your assets, liabilities, insurance policies, estate plan, retirement ideals, tax situation, and risk tolerance. Our meticulous process allows us to create your actionable, bespoke financial plan.

Your investment journey is a dynamic and personalized endeavor. It's shaped by your goals, risk tolerance, and investment capital. While we can't predict exact returns, our open investment approach allows us to select mutual funds and exchange-traded funds and managers with proven track records, aiming to optimize your results within your risk parameters.

We craft your portfolio using a diverse range of investments aligned with your objectives. While we often utilize mutual funds and exchange-traded funds for their efficiency and broad market exposure, we also incorporate individual stocks, bonds, and alternative investments when appropriate. Our goal is to optimize your returns while managing risk.

Your portfolio is as singular as your financial fingerprint. While we adhere to proven long-term investment principles, we tailor every aspect of your portfolio to align with your personal goals, risk tolerance, and financial situation.

When appropriate, we integrate alternative investments to enhance your portfolio's resilience and potential returns. These may include absolute return strategies, private equity, and managed futures. Our aim is to lower portfolio volatility while seeking improved returns.

Absolutely. We take a holistic view of your financial life. If you have assets outside our direct management, we're happy to incorporate these accounts into your overall financial plan. We can also include these accounts in your quarterly reports, giving you a comprehensive view of your wealth.

Collaboration is the key to successful wealth management. We're happy to work alongside your existing team of professionals, including attorneys and accountants. This open communication facilitates comprehensive, well-coordinated advice tailored to your financial necessities.

We prefer transferring your securities in-kind, allowing us to thoroughly evaluate each position and its tax implications before making any changes. If you have specific securities you wish to retain, we can accommodate this while still considering them in your overall portfolio strategy. In rare cases, certain securities are not transferable. In these instances, we will review the situation and recommend a suitable next steps.

We understand that certain investments may hold personal significance or play a specific role in your financial strategy. If you have particular assets you prefer not to sell, we can seamlessly incorporate them into your overall wealth management plan. While these securities can be held separately from our active management and fee structure, we'll include them in your comprehensive reports and consider their impact when constructing your broader portfolio. This approach ensures a holistic view of your wealth while respecting your preferences.

Once your asset allocation strategy is established, we construct a portfolio that aligns with your specific needs and preferences. This may involve selecting individual securities, utilizing low-cost index funds, or employing actively managed funds based on our research and analysis.

For clients interested in a professionally managed individual stock portfolio, the Evermay Quality Select Equity Portfolio uses a fundamental, bottoms-up security selection process to invest in companies with a demonstrated history of high-quality earnings growth at attractive valuations. Our portfolio companies are typically leaders in their industries with high returns on capital and strong balance sheets.

Tax-efficient investing involves not just selecting the right mix of assets ("asset allocation") but also strategically placing them in the most tax-advantaged accounts ("asset location"). For example, holding tax-inefficient investments like bonds in tax-deferred accounts and growth-focused stocks in taxable accounts can help minimize taxes and maximize after-tax returns over time. Also, where appropriate, we may employ strategies such as direct indexing with tax-loss harvesting, a technique that may help reduce tax bills. 
 
In addition, we incorporate tax management techniques such as tax-loss harvesting and tax-lot accounting to help mitigate the impact of capital gains taxes on a portfolio. As tax rates trend higher, active tax management strategies become increasingly important to our clients’ portfolios.

As part of our comprehensive approach, we review your current estate documents and discuss your legacy aspirations, family wishes, and philanthropic interests. We assess your plan against current tax laws for thoroughness, effectiveness, and tax efficiency. If we identify areas for improvement, we collaborate with your legal counsel to make appropriate adjustments.

Yes, we have established relationships with several prominent estate planning attorneys and would be happy to recommend one that fits your circumstances.

Absolutely. We can help impartially assess your current policies' effectiveness in light of your personal risk factors. If necessary, we’ll collaborate with companies who already serve high-net-worth clients to help secure optimal coverage tailored to your circumstances.