We use direct indexing — holding individual stocks rather than mutual funds or ETFs — giving us greater flexibility to work for you:

No fund expense ratios quietly eating into your returns

Tax-loss harvesting to reduce what you owe each year

Flexibility to exclude individual stocks or sectors based on your preference

A way to incorporate existing holdings without triggering unnecessary capital gains

Capital gains are realized based on the client’s situation, instead of portfolio managers of mutual funds and ETFs passing along taxes through capital gains distributions
Gift appreciated assets for tax efficiency and those philanthropic at heart

For smaller accounts where an individual stock strategy is not practical, we use low-cost ETFs.

All investments involve risk, including possible loss of principal. Past performance does not guarantee future results. Direct indexing, ETF or mutual fund portfolios cannot assure a profit or protect against loss.