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Invest Smarter

Our investment methodology is built upon sector and style weighting, risk minimization, and tax optimization. We’ll build a personalized portfolio based on your unique situation and goals.

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A Sound Strategy

measure your progress

We’ll help you plan your financial future by using our Retirement Planner to identify the optimal approach to meet your financial needs.

portfolio strategy

We’ll tailor your portfolio strategy to your specific financial situation and to your level of risk tolerance.

big picture

We’ll work with you to build an investment plan that is both cost and tax-efficient.

Our Investment Strategy

Our investing strategy improves upon the traditional index approach with our award-winning technology and lower cost, giving you a personalized portfolio strategy and a team of advisors to execute it.

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Personal Strategy® Investing Principles

Our Investment Committee oversees investing based on our five guiding principles:

 

Because we see your complete financial picture, we can provide an efficient allocation. As your life evolves, we will recommend allocation adjustments to keep the strategy current with your ever changing situation.

We don’t believe in a “one size fits all” portfolio. Our approach is tailored to you and your goals. Together, we’ll create a plan that’s based on your preferences, and what stage you are in your life.

Tax location places assets in different account types to help minimize taxes (higher yield securities being placed in tax-sheltered accounts when possible). Tax-loss harvesting can offset realized capital gains and be written off against income up to relevant IRS limits.

Ongoing rebalancing, that occurs when the market presents opportunities, can help avoid costly emotional mistakes and helps you buy low, sell high, and remain well-diversified. Our research shows that regular rebalancing can significantly enhance portfolio value over time.

By limiting exposure to any one sector, size or style in favor of greater diversification and balance, you are better protected against downside risk when a particular market or segment declines.

Investment Committee

The Investment Committee is dedicated to constructing and maintaining strategic investment portfolios. This includes portfolio construction, security selection, portfolio monitoring, and trade oversight. The Committee combines expertise and decades of experience to build a wide range of portfolios designed to help clients like you meet their financial goals.

Headshot of Craig Birk, CFP®Craig Birk, CFP®Chief Investment Officer
Headshot of Michelle BrownsteinMichelle Brownstein, CFP®VP of Private Client Services
Headshot of James BurtonJames Burton, CFP®Chief Growth Officer
Headshot of Lacey CobbLacey Cobb, CFA, CFP®Director of Advice Solutions
Headshot of Amin DabitAmin Dabit, CFP®, CSRICVP of Advisory Service
Headshot of Brendan ErneBrendan Erne, CFA, CSRICDirector of Portfolio Management
Headshot of Kyle Ryan, CFP®Kyle Ryan, CFP®EVP of Advisory Services

Our Team Of Experts

Our long-term wealth management strategies are shaped, in part, by advice from our Team of Experts, based on their decades of experience and extraordinary accomplishments.

Our Team of Experts includes a Nobel Prize winner and the father of Modern Portfolio Theory, the behavioral economist behind Save More Tomorrow, the former head of Stanford’s $20 billion+ endowment fund, and a former SEC commissioner who supports investor rights and the fiduciary standard.

Headshot of Luis AguilarLuis AguilarFormer Commissioner at the Securities and Exchange Commission
Headshot of Shlomo Benartzi, PhDShlomo Benartzi, PhDBehavioral Finance Expert at UCLA and Author of Save More Tomorrow
Headshot of Bill HarrisBill HarrisFounder and Director
Headshot of Harry Markowitz, PhDHarry Markowitz, PhDNobel Prize Winner and Father of Modern Portfolio Theory
Headshot of John PowersJohn PowersFormer Head of the Stanford University Endowment
Headshot of Karen SchaefferKaren Schaeffer, CFP®Former Chair of the CFP® Board

Disclosure statement and acknowledgment: The statement is provided to you by ("Author") who have entered into a referral agreement with Personal Capital Corporation ("PCC"), through which Author will be paid between $70 and $150 for each person who uses this webpage to register with Personal Capital and links at least $100,000 in investable assets to Personal Capital's Free Financial Dashboard. Author is not affiliated with PCC and Author's services consist solely of referrals of prospective clients. As a result of this arrangement Author may financially benefit from referring potential clients to Personal Capital. No fees or other amounts will be charged to investors by Author or Personal Capital as a result of the Referral Arrangement. Investors that are referred to PCC and subsequently subscribe for investment advisory services provided by PCC’s affiliated adviser, Personal Capital Advisors Corporation (“PCAC”) will not pay increased management fees or other similar compensation to Author, PCC or PCAC as a result of this arrangement. Additional information about PCAC is contained in Form ADV Part 2A.