Disciplined Portfolio Management
Our Pillars
Our investment management approach isn’t about chasing returns or the latest market trends; it’s about building and managing custom investment portfolios that align with your financial plan, risk tolerance, family situation, time horizon, tax situation and long-term financial goals.
As an independent advisory firm, we are not beholden to any banks, insurance companies or investment corporations. Instead, we are free to select from a virtually unlimited investment universe as we recommend a custom allocation free from conflicts of interest and proprietary asset minimums.
Before we make any decisions, we take time to understand your specific goals, time horizon, risk tolerance, legacy wishes and more. Using this information as our guide, we establish an investment portfolio that is diversified across asset classes, investment types, market capitalizations, geographic regions, investment managers, tax classifications, etc.
Once your portfolio is up and running, we continuously monitor and report on your investment performance. We strive to make strategic adjustments as opportunities arise, meeting with you on a regular basis to discuss any life changes that necessitate a change to your asset allocation.
Our portfolio management services include the following.
- Tax-efficient asset allocation – We support you with a custom mix of stocks, bonds, alternatives and income-generating investments that align with your risk tolerance, time horizon and investment objectives.
- Strategic Asset location – We strategically place assets across your accounts to minimize your tax burden and keep more of your hard-earned money working for you.
- Ongoing rebalancing and tax-loss harvesting – We proactively monitor and adjust your investment portfolio to maintain its targeted asset allocation and capitalize on tax-savings opportunities as they arise.
- Retirement income planning – We help you establish and maintain a tax-efficient stream of income to support your lifestyle in retirement.
- Withdrawal optimization – We establish a tax-efficient withdrawals strategy to help maximize both your income and your growth potential.
Portfolio Risk Management
At De Maine Wealth Management, we view portfolio risk management as a vital ongoing process. We carefully balance the pursuit of long-term growth with disciplined downside in an effort to pursue your investments are well positioned to weather market volatility while also remaining aligned with your goals, time horizon and comfort level. We do this by incorporating the most technically advanced risk analysis software. This software can analyze the risk of proposed and current portfolios in real time, all the time.
We believe it is essential to understand and regularly update your risk profile to help ensure your current portfolio risk continues to align with your goals through every market cycle and life stage. Our risk-assessment process combines data-driven tools with one-on-one conversations, which we believe is the best way to fully understand your risk tolerance at any given moment. Our process includes:
- Comprehensive risk assessment questionnaire
- One-on-one conversations to discuss your thoughts, concerns and comfort level with risk
- Holistic review of your entire financial picture to help determine both what you want to do and what you realistically can do.
The goal of these efforts is to establish a clear risk profile to serve as a blueprint to help guide your custom asset allocation.
