Investment Philosophy

Customized Portfolio Construction Focused on You

Investment Philosophy

An investment portfolio coalesces around your specific goals, circumstances and risk tolerance.  As such, the composition of your portfolio is an intimate reflection of your financial objectives and preferences, reinforced by ongoing fundamental economic and market analysis.  While many advisors opt for a “one size fits all” portfolio for all clients grouped by similar risk tolerance, such tactics imply clients and their goals are homogenous.  This implication is dubious at best.  Impact Wealth Management constructs portfolios based on the distinct variables affecting you and your family.  No two clients will have the same set of economic circumstances, financial goals, values, family dynamics, or risk tolerance.  All of these factors influence the final composition of your customized portfolio.

To the most practical extent, portfolios are managed through a fiduciary relationship in which clients pay a transparent annual asset management fee. This arrangement provides a legal obligation to act in your best interest when providing recommendations; outlawing what are often opaque commission transactions from individual investment companies.  Furthermore it provides an economical way to gain access to a range of investment options.   Tactical rebalancing and changes in investment strategy are accomplished without the potential burden of commission costs inherent in traditional brokerage or mutual fund accounts.  Each investor’s annual asset management fee is determined individually as a function of total portfolio size, service needs as well as the nature and complexity of the portfolio assembled.


The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. Indexes are unmanaged index and cannot be invested into directly. Unmanaged index returns do not reflect fees, expenses, or sales charges. Index performance is not indicative of the performance of any investment.

Have a Question?