One strategy, coordinated end to end.

Investment Management

Custom, tax-efficient portfolios aligned to your real-world goals, globally aware, risk-managed, and built with purpose. We typically operate with discretionary trading authority so your portfolio stays maintained without waiting on approvals for routine work.

• Portfolio construction using low-cost index funds and ETFs
• Written Investment Policy Statement documenting your objectives
• Ongoing rebalancing and risk monitoring
• Tax-aware positioning and loss harvesting where appropriate
• Access to REITs, commodities, and alternative vehicles where suitable
• Assets custodied at Charles Schwab

Financial Planning

From retirement planning to cash flow management, Social Security, and estate strategies, we design a flexible plan that adapts to your needs at every stage of life, and revisit it as circumstances change.

• Retirement income and withdrawal strategy
• Cash flow and savings planning
• Social Security claiming analysis
• Education funding strategy
• Insurance and risk review
• Estate and legacy planning coordination

Tax Preparation & Planning

Tax work delivered by a CPA and coordinated directly with your investment strategy, so planning happens throughout the year rather than in a scramble each spring. Tax services are provided by Girard Tax Services, a separate company, for separate fees.

• Individual and small business tax return preparation
• Year-round tax projections and planning
• Roth conversion and withdrawal sequencing analysis
• Capital gains and loss harvesting coordination
• Charitable giving strategy
• Entity and self-employment tax considerations

Research & Due Diligence

Investment decisions are supported by in-house equity research and fundamental analysis. Where a strategy calls for individual positions or less common asset classes, the underlying work is done here rather than outsourced to a model provider.

• Fundamental company and sector analysis
• Asset class and manager due diligence
• Position-level review for concentrated holdings
• Ongoing monitoring of portfolio holdings