WEALTH MANAGEMENT STRATEGIES
An effective investment portfolio strategy is more than simply investing your money in stocks and bonds. Depending on your unique goals, needs and circumstances, we work with you to identify strategic opportunities to create a fully integrated wealth management portfolio that combines both financial planning and estate planning.
FINANCIAL PLANNING
Any good result starts with a well thought out plan. Our financial planning process begins with a comprehensive review of your entire existing financial portfolio to identify your true costs, risk levels and exposure.
Whether you are an active investor or don't know where to start, we work with you to compare your existing portfolio to your goals, expectations and priorities.
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We then work with you on a strategic plan that addresses all of your short- and long-term needs. While our Financial Planning has a beginning, it never really ends. Our client / advisor relationship grows into a continuous review and optimization of your portfolio.
Our financial planning strategies integrate multiple areas of wealth management in order to maximize your entire portfolio.
INVESTMENTS
The primary goal of wealth management should be an effective, disciplined investment strategy. 29 years of experience across asset classes and investment techniques allows Gambit Asset Management to manage your investments with the intention of responsibly growing and preserving your wealth for the future.
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Our disciplined investment approach emphasizes multiple dimensions to managing an index-based portfolio:
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Building a basket of diversified asset classes using mutual funds and ETF's.
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Goals-based asset allocation to match your unique investment profile.
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Matching the overall portfolio risk to your short- and long-term risk appetite.
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Tactical portfolio rebalancing and tax-loss harvesting.
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As an independent Registered Investment Advisor, we are free to choose among any funds for the absolute best-in-class, taking into account performance, exposure and fees. As a Fiduciary and fee-only RIA, any funds in your portfolios will only be in your absolute best interest, and we never accept commissions from any third-party providers.
Source: Dimensional Fund Advisors
Source: Dimensional Fund Advisors
Nobody enjoys paying taxes, but wealth management that includes well-thought tax strategies may lessen the burden.
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Our investment strategies seek to reduce tax drag on your portfolio.
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Asset location between your taxable vs retirement accounts may help you reduce investment income.
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Tax-loss harvesting may use losses in the current year to offset or defer investment income.
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The exercise of compensation related stock options may benefit from proper tax planning.
TAX
PLANNING
STOCK
OPTIONS
If your compensation includes stock options, we can work with you to develop an optimal exercise strategy. Options can be complicated and sometimes difficult to understand but we have an extensive background in the different types of stock option awards.
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There are 5 different options compensation plans:
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Stock Options
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Restricted Stock Units
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Stock Appreciation Rights
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Phantom Stock
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Employee Stock Purchase Plans
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Each has its own characteristics and may benefit from different tax strategies. Depending on your financial situation and outlook, we can help guide you through the most effective strategy.
Retirement planning is usually among your top goals so it is critical to have a thorough understanding of your time horizon, goals, and sources of current and future assets/income.
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Depending on your potential sources of income, we can help you plan for:
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Social Security
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Required minimum distributions
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Employer sponsored retirement plans
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Income expectations in retirement
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Using extensive cash-flow models and growth assumptions, we help you create a detailed forecast of potential outcomes. We can then incorporate your retirement plan into your overall investment portfolio.
RETIREMENT
PLANNING
As your actual retirement approaches, your disciplined plan will hopefully provide you with peace of mind and a smooth transition.