Broker Check

Investment Management

Our Investment Process

Our Investment Process basically flows from left to right in top set of boxes below.  The majority of the time in developing a financial plan is initially spent in the Asset Allocation and Endowment Model steps.  If we are doing more advanced planning, then we include analysis to minimize Taxes (income and Estate) and more Advantaged Estate planning.

Most of the time, we invest our clients assets into the same type of assets and allocations that we have developed over the years and utilize ourselves in our own financial plans. 

When using more of the alternative investments and the Endowment Model, we do conduct additional "Due Diligence" of these investments.  The Due Diligence is conducted at three different levels.

The first level  it is done by at lease one national level auditing firm (usually 2 or 3).  The second level it is done by the Broker Dealer (Kalos Capital and Kalos Management), and then the third level is done by the advisor personally. We usually attend multiple Due Diligence Meetings with the different investment firms each year.  Prior to COVID, we conducted those meetings in person, being able to not only learn the details of the various offerings, but we also are able to meet with the upper level management staff and many of the company founders.  Post Covid, we now conduct these Due Diligence meetings virtually.

Please spend time with the Asset Allocation and Diversification model section.  You will see that not all asset classes are profitable, all of the time.  With a well diversified portfolio, in the longer term, the ups should outweigh the downs.

That has been our experience


Asset Allocation Diversification

Asset Allocation Diversification

Years of experience have prepared us to guide you through your life transitions.

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The Endowment Model

The Endowment Model

The Endowment Model is a way to add additional diversification

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Tax Efficient Investments

Tax Efficient Investments

Important if you have significant assets outside Retirement accounts

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Investments are more than just Stocks and Bonds

Investments are more than just Stocks and Bonds

The Fallacy that Fees are All That Matter.  Total Return Matters

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<p>5 Smart Investing Principles</p>

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.
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Share Class Warfare

Share Class Warfare

Not All Share Classes of an Investment are Equal

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The Fallacy of Fees

The Fallacy of Fees

Fees are important, but Total Return is what is most important

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Public vs Private Markets

Public vs Private Markets

Where Have All the Investments Gone?

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