Structural Wealth

Sophistication	Actions to rebalance portfolio are evaluated relative to tax and transaction cost, anticipated cash flows Recognition of capital losses is evaluated relative to tax and transaction cost, client tax posture Individual securities are located in optimal tax accounts
Diligence	Daily evaluation of potential actions to rebalance Daily evaluation of each individual holding Daily evaluation does not mean daily activity. We monitor your portfolio every day, providing significant advantages as compared to review at longer intervals.
Flawless implementation	Portfolio risk is measured and managed on multiple dimensions. Equity portfolio is managed to geographic, sector, market capitalization, value growth, momentum, stock specific risk Fixed income portfolio is managed to consider aggregate exposure to individual credit and bond risk types as well as to match targeted maturities Cash instruments are evaluated based on after-tax yields relevant for each taxable account Systematic review ensures capture of dimensions often overlooked in manual implementation including: Trades at risk of wash sale Holding period for stocks that pay dividends Applicable tax rates, given clients tax posture and security attributes Corporate actions that impact tax basis Aggregate exposure to FDIC insured institutions by insured providers