Investment Approach

We hold stocks, not funds.

We use direct indexing — holding individual stocks rather than mutual funds or ETFs — which gives us far greater flexibility to work for you.

Why direct indexing

What the flexibility buys you.

Owning the underlying stocks — instead of a fund that owns them for you — puts each of these levers directly in your hands.

  • 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, for those philanthropic at heart.

When it isn’t practical

For accounts where an individual-stock strategy isn’t practical, we use low-cost ETFs.

Important disclosure

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.

Is this the right partnership for you?

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