Investment Management Services

Once we understand client aspirations and define the appropriate level of risk, we determine the best investment allocation to achieve those goals. This is a truly integrated approach.

While Wall Street and the majority of advisory firms continue to chase recent top-performing stocks or money managers, Flourish Wealth Management takes a more elevated approach. Our investment philosophy is based on Nobel Prize winning academic research that explains how markets really work and demonstrates how to invest in a smarter way. We construct portfolios based on years of academic study rather than the latest "sales idea.” The result is greater portfolio return consistency, lower investment costs, and improved tax-efficiency relative to traditional active approaches. 

Key Investment Concepts

Markets Work – Markets cannot be consistently outsmarted as they are generally efficient and new information is rapidly incorporated into the security prices. Markets may behave irrationally in the short run, but portfolios designed with a long-term strategy, focused on future goals, put the markets to work in the best interests of our clients.  

Asset Allocation is Key – We help implement appropriate asset allocation customized to meet goals within each client’s timeframe. This will determine the vast majority of a portfolio’s return. Efforts to time the market by overweighting or underweighting asset classes are unlikely to add value over time, but our academic based strategies help ensure long-term investment success.

Smart Diversification - Diversification works to both reduce risk and improve expected return, but this does not mean simply own a little bit of everything. We understand the role of each asset in the portfolio and how it interacts in relation to other assets – both in calm markets and times of stress.

Manage Risk – Asset allocation, smart diversification, and vigilant rebalancing are the greatest tools to manage risk in line with your specific goals.   

Keep the Costs Low – Costs can come in many unexpected forms, including higher taxes and internal expenses with investment selections. This is especially true with active management. These costs defray overall performance. Instead, our investment approach focuses on minimizing costs, optimizing returns to more quickly meet client goals.

Tax Considerations - We minimize tax burdens by considering the cost basis of appreciated securities before recommending any changes. With calculated asset location strategies, appropriate investment options, and tax-loss harvesting, we help ensure maximization of returns.