Custom Portfolio Experience

We do not believe in a “one size fits all” approach to managing assets. We build custom portfolios for our clients based on a deep understanding of their goals, objectives, and risk parameters derived from our financial planning process. Whether you are growing your wealth or looking to retire, we can assure that a portfolio with the right mix of income and growth-oriented investments will be designed specifically for you.

Retirement Income Strategies

When you retire, you will need a predictable cash flow to meet your daily living needs and to live the retirement you planned for. At Alder, retirement income is one of our primary specialties. While many of our peers outsource their asset management, our unique experience of trading individual bonds allows us to personally manage our retirement income strategies. We believe having defined sources of income in place removes much of the uncertainty associated with the stock market as you plan for and live through retirement.

Balancing Risk and Return

We believe investors should always be compensated for the risk they take. As an example, the stock market can be highly volatile in any given year but with that you get higher long-term growth relative to other investments. Conversely, income-oriented investment returns are more moderate but far more predictable year to year. Our approach to asset allocation is finding the right balance between growth and income. Viewed another way, we strive to find the right balance of providing for your current income needs while protecting the longevity of your portfolio.

Efficient Investing

Our aim of efficient investing is to hold on to a greater share of your investment returns by placing an emphasis on controlling investment costs and managing your portfolio for tax efficiency. We control our investment costs by using strategic combinations of actively managed individual securities and passively managed index funds. Tax efficiency is accomplished through finding the best match of security and account type due to different tax treatments among accounts as well as tax loss harvesting.

Long-Term Discipline

Success is rarely achieved overnight, therefore we believe that long term and disciplined thinking is of paramount importance. This perspective makes it easier to stay the course and remain committed to your plan even through periods of market uncertainty. This discipline is the hallmark of a financial planning-lead approach to investing.