Your portfolio has a job.
We manage it around the life it needs to support.
Growth still matters. But your investments may also need to provide income, maintain liquidity, manage risk, navigate taxes, and remain flexible as your life changes.
The plan defines what the money needs to do.
The portfolio is built around those decisions.
Investment decisions do not happen separately from the rest of your financial life. How much you need, when you need it, where it comes from, the taxes involved, and how much flexibility you want to preserve all influence how the portfolio should be structured.
When financial planning and investment management are both part of the relationship, they can move forward together. Account opening, transfers, and investment implementation can begin while the planning engagement is underway.
What does your wealth need to support?
Define income, spending, taxes, timing, risk, flexibility, and the decisions ahead.
What does the portfolio need to do?
Build and manage the portfolio around those needs, then keep it aligned as markets and life change.
Growth still matters.
It is simply no longer the only job.
How do I grow it?
The portfolio has more to accomplish.
The goal is not to stop growing wealth. It is to coordinate growth with the other jobs the money now needs to perform.
One investment decision
can change several others.
Selling a concentrated position may affect taxes. Raising cash may change portfolio risk. Taking income from one account instead of another may change future tax flexibility. Holding more liquidity may reduce short term market dependence while changing how much remains invested for growth.
The question is not simply, “Is this a good investment?” It is, “What does this decision change?”
We do not begin with what to buy.
We begin with what the money needs to do.
Different money can have different jobs. Before deciding what belongs in a portfolio, we start with what the money needs to accomplish, when it may be needed, and what other financial decisions it needs to support.
What does this money need to support?
When might it be needed and how accessible must it remain?
How much uncertainty can this part of the portfolio reasonably carry?
Structure the investments around the job.
Consider taxes, account type, income needs, and the rest of the financial plan.
Revisit as markets and life change.
The portfolio's job can change
because your life changes.
Markets change. Cash needs change. Taxes change. Retirement, compensation, a business event, or a decision elsewhere in the financial plan can change what the portfolio needs to support. Ongoing management means continually reconnecting the investments to that job.
Sometimes the right investment decision is to change the portfolio. Sometimes the right decision is to leave it alone.
Moving investments does not mean
starting over.
We begin by understanding what you already own before deciding what, if anything, should change. Existing holdings are reviewed before changes are made. Where appropriate, assets may transfer in kind, and tax consequences, concentration, liquidity needs, and portfolio fit are considered before implementation decisions are made.
Financial planning can continue while the investment transition is underway. Planning and investment implementation are distinct, but they can proceed in parallel.
Know what to expect
before assets move.
$500,000 in managed assets
Investment management relationships generally begin at $500,000 in assets managed by Longevity Wealth Strategies.
Based on assets managed
Your applicable AUM rate is reviewed during the Wealthspan Review or engagement discussion before accounts are opened or assets are transferred.
Maintained on the LPL platform
Securities and investment advisory services are offered through LPL Enterprise (LPLE), an affiliate of LPL Financial. Additional entity information appears in the compliance-approved disclosures below.
Management explains what we do.
Philosophy explains why.
Our investment philosophy explains the principles behind portfolio construction, risk, diversification, taxes, long term participation, and the role of complexity.
Explore our Investment PhilosophyThe practical questions
should have clear answers.
Investment management fees are based on assets under management. The applicable AUM rate is reviewed during the Wealthspan Review or engagement discussion before accounts are opened or assets are transferred.
Yes. Investment management relationships generally begin at $500,000 in managed assets.
No. Financial planning and investment management are distinct services, but they can begin at the same time. When investment management is part of the relationship, account opening, transfers, and implementation can begin while the planning engagement is underway.
No. Existing holdings are reviewed before changes are made. Assets may transfer in kind where appropriate, and tax consequences, concentration, liquidity needs, and portfolio fit are considered before implementation decisions are made.
See whether your portfolio is doing
the jobs your financial life requires.
Start with a 45 minute Wealthspan Review. See how your investments fit with the rest of your financial life and where greater coordination may be needed. No fee. No preparation required. No commitment to transfer assets.
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