Investment Management

Smart, disciplined, tax-efficient, and diversified. Our approach is driven by time-tested principles for investment success.

INVESTMENT EXPERIENCE

A long-term strategy is the key

At the end of the day, your future financial goals are the reasons why you are investing in the first place — whether you’re hoping to secure an early retirement or wish to pay for your children’s college education in full. A long-term strategy is the key to a more rewarding (and less stressful) investment experience.

That’s why our approach to investment and asset management is grounded in a steady, disciplined process that is catered toward the big picture. No market timing. Not “hot stock” picks. We abide by an investment process and guidelines that help us navigate through both difficult and strong moments in the financial markets:

We know portfolio construction matters. When we build portfolios, we match the risk/return profile to the goals we have set together throughout the planning process. That process guides us to allocations that are appropriate for each client situation and not a call on the short-term direction of the market in either direction.
We do not own stocks for clients with the money they will be spending in the short term, which is typically beyond five years. This approach allows us to hold stocks through the downturns and allow them to recover over time.
We rebalance when the market gives us the opportunity and do tax-loss selling in taxable accounts. One way to produce better long-term results is to take advantage of sell-offs like we are currently seeing and rebalance your portfolio back to the recommended allocation. This is not to buy “the” low, but instead to buy low. Rebalancing has been shown to improve returns over time and that opportunity usually shows up when you feel the worst about buying stocks, like now.

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When you partner with Shone Wealth Management, you can expect our investment and asset management process to include:

Investment Risk Management

We design a portfolio that reflects your specific risk tolerance characteristics, and we utilize rebalancing and ongoing consultation with you to make sure it continues to match your goals and life stage.

Employment Benefit Planning

Wealth Management understands that a well-structured benefit plan can help you retain key employees and reduce costs associated with turnover. We can also help you integrate any plan you may be participating in with your overall financial and investment plan.

Equity Compensation

Whether you need expert advice on structuring an employee stock purchase plan for your business or on the best way to exercise your options or take distribution after vesting, we can guide you every step of the way.

Investment Tax Planning

We utilize tax-efficient distribution strategies to help retirees minimize the IRS bite on their income. We also incorporate tax-loss harvesting, when appropriate, to ease the annual burden on taxable investment accounts. We also help clients create strategies to take advantage of the different characteristics of their tax-advantaged accounts: IRAs and 401Ks (traditional and Roth), pensions, and other plans. Finally, we guide clients approaching retirement to minimize the amount of their Social Security benefits subject to income tax.

Lump-Sum Distribution Advice

We help you make smart, tax-efficient decisions about taking lump-sum distributions from your employee plan, qualified plan, pension, deferred annuity, and other accounts.

Asset Allocation

At Shone Wealth Management, the asset allocation strategy for your portfolio directly reflects your unique investment strategy, risk tolerance, and stage of life.

EXPLORE OUR SERVICES

investment

Our Philosophy

Our disciplined, long-term investment philosophy is an extension of our planning approach. We custom-build portfolios that perfectly align with your needs and goals, all within low-cost, tax-efficient structures.

Get Started with Shone Wealth Management