Tax-efficient solutions that work across borders
Many of our clients have lived in various countries and may even have multiple citizenships. They need investment solutions that are compliant and effective in and across multiple jurisdictions. To achieve these goals, we mainly use cost and tax efficient exchange-traded funds (ETFs) to build portfolios that are diversified across all major regions and asset classes. We also work with leading US custodians, such as Schwab and Fidelity, that have expertise in both the US domestic and international setup. This knowledge safeguards clients’ internationally-compliant portfolios at very low costs.
By understanding your tax situation, we can help you achieve better after-tax results. This might include implementing tactical tax-loss harvesting or gifting strategies, or even the accelerated realization of capital gains in a low tax year. It might mean taking advantage of different tax rules across jurisdictions
We can aggregate and individual's multiple accounts or even those of an entire household. We do this by considering your tax situation when determining the best account type (such as taxable, tax deferred or tax-exempt accounts) for a particular investment. This methodology is commonly referred to as asset location. It helps further improve the after-tax return of the portfolios you entrust to us.
Investments that are sustainable
In addition to traditional portfolio solutions, we offer sustainable investment portfolios that account for Environmental, Social and Governance (ESG) factors. ESG data on companies has become increasingly available over the last few of years. This allows us to offer portfolios with ETFs (exchange-traded funds) that exclude certain industries such as weapons manufacturers or tobacco companies. Industries included might focus on a particular theme, or aim to have a positive impact by promoting positive and limiting negative externalities. For example, these include ETFs may invest in companies that benefit from the transition to a low-carbon economy. We might choose ETFs that invest in positive impacts on society such as fighting poverty, hunger, promoting health, education and gender equality, the first 5 of the United Nations of the 17 sustainable development goals.
Discipline, expertise, and technology
We use a disciplined investment and re-balancing approach that is critical for long-term success. We work with a dedicated and seasoned portfolio management team that oversees the day to day administration of your investment portfolio.
We construct and maintain our portfolios with the help of sophisticated research and risk management tools. These tools allow us to determine the portfolio composition across market capitalizations, regions, and sectors, and across credit quality or interest rate sensitivity. We also run stress tests to understand how a portfolio would have performed during a specific market environment, such as the financial crisis or the 2013 bull market.
Our integrated and latest portfolio management system allows us to offer portfolio solutions that are tailored to your specific needs. We have the technology and processes in place to consider your outside accounts such as US and foreign employer sponsored pensions. We also have the experience to account for non-traditional investments such as private equity, hedge funds or real estate.
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Yes. In addition to traditional portfolio solutions, we offer sustainable investment portfolios that account for Environmental, Social and Governance (ESG) factors. ESG data on companies has become increasingly available over the last few years. This allows us to offer portfolios built with ETFs (exchange-traded funds) that exclude certain industries such as weapons manufacturers or tobacco companies. Industries included might focus on a particular theme, or aim to have a positive impact by promoting positive and limiting negative externalities. Investing in ESG portfolios involves risks, please refer to our ADV for more details.
Yes. We offer alternative investments such as private investments, hedge funds, and cryptocurrencies if you qualify as an accredited investor and when these investments are appropriate for your situation and are aligned with your financial plan. Some of these alternative investments may also be available to non-accredited investors. Investing in alternatives and cryptocurrencies involves risks, please refer to our ADV for more details.
Yes. We offer direct/personalized indexing when this investment strategy is appropriate for your situation. With direct/personalized indexing, you own the underlying securities in the portfolio, rather than shares of an investment fund. This approach provides additional opportunities to personalize your investments and potentially gain greater tax efficiency through daily tax-loss harvesting. Direct indexing involves risks, please refer to our ADV for more details.
We believe that every person deserves access to quality financial education that can empower them to make good financial decisions. For individuals and families who are unable to engage us for our professional services, our blog and educational videos provide free educational resources. Additionally, we regularly conduct educational workshops, covering topics like tax reporting, tax planning, saving for retirement, risk management, and legacy planning. To inquire about our next educational workshop, please email us at firstname.lastname@example.org
To minimize conflicts of interest and seek better alignment with our clients, we do not accept sales commissions or referral fees from investment product providers or independent professionals. We only receive compensation in the form of financial advisory fees paid by our clients as detailed in their financial planning advisory agreements. Our clients pay us a transparent fee for our advice.
We work hard to make sure your money is safe. We are members of a fee-only Registered Investment Advisor (RIA) with over $3 billion in assets under management serving approximately 5,000 families. We work only with top financial institutions like Charles Schwab and Fidelity as our independent custodians, and we use leading industry technology for investment management and financial planning. We hold multiple professional credentials, and we are held to a fiduciary standard, which means that we are required to always provide advice that is in your best interest, even when it’s against our own.
We offer US insurance services through our sister firm, Swiss American Risk Advisors. We have teamed up with Ash Brokerage to offer independent insurance solutions when needed. Please refer to our disclosures at the bottom of this page.