Investment Management
Tax-Aware Investment Management
Disciplined, evidence-based investment management built around your full household plan — not a model portfolio assigned by age.
The portfolio is the engine, not the destination. Investment management here is one component of a coordinated household plan. We build allocations around the cash flow, tax picture, time horizon, and risk tolerance of your specific household, and we rebalance with explicit attention to tax drag, asset location, and concentration risk.
Client assets are held at independent third-party custodians — Altruist and Charles Schwab. We do not take custody. We do not run a proprietary fund. We do not earn commissions on any security.
How We Manage Portfolios
- Globally diversified, low-cost, evidence-based core holdings
- Asset location across taxable, tax-deferred, and Roth accounts
- Tax-loss harvesting and gain-budgeting tied to your annual tax plan
- Rebalancing thresholds, not a calendar
- Concentrated stock position management (RSUs, founder stock, inherited concentrations)
- Cash and short-bond ladder management for retirement income households
What We Do Not Do
We do not market-time. We do not chase narratives. We do not run a tactical overlay built on a forecast. Predicting the next quarter is not the job. Running a portfolio that survives every quarter is. We also do not sell annuities, structured products, non-traded REITs, or proprietary funds.
And we do not run a single model portfolio assigned by age or risk score. Two households with identical balance sheets can have very different tax situations, withdrawal needs, and concentration positions. The allocation should reflect those differences. Anything that does not is a template, not a plan.
Coordination With the Rest of the Plan
Investment management is one chair at the table. The other chairs — retirement income planning, tax planning, Social Security timing, insurance review, estate coordination — share the same data and the same household assumptions. When a Roth conversion is scheduled for next year, the portfolio knows. When a Social Security election shifts the income picture, the allocation updates. When a capital gain budget is set for the year, the rebalancing respects it.
That coordination is why households hire us. It is also why we do not sell investment management as a standalone product line.
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Frequently Asked Questions
Where are client assets held?
At independent third-party custodians, primarily Altruist and Charles Schwab. Compound Advisory does not take custody of client assets. Statements come directly from the custodian.
Do you have a minimum account size?
Most ongoing client relationships are between $1M and $25M in investable assets. We will tell you in the first conversation whether we are the right firm for your household — and if we are not, we will recommend someone who is.
How often do you rebalance?
By threshold, not by calendar. Allocations drift when markets move; we rebalance when the drift crosses a band that justifies the trading and tax cost. In retirement income accounts, rebalancing is coordinated with withdrawals to minimize unnecessary realized gains.