We utilize a collaborative approach to portfolio management combining our understanding of the markets with your objectives, principles, and risk tolerance in order to build and maintain a personalized portfolio we believe can help you reach your goals. Your Investment Policy Statement will optimize your lifestyle and goals. This unique strategy will be unique to you and will inform decision-making to help you capture opportunities and minimize risk over the coming decades of evolving markets.
We believe in both strategic and tactical asset allocation. Markets generally “work” over the long-term so a strategic asset allocation utilizing broad diversification helps reduce risk and protects against outlier events. Long-term returns are the only ones that matter but thinking and acting exclusively for the long-term will feel uncomfortable and even appear careless at market extremes. While the long-term is the only time frame that truly matters, we recognize that organizations are forced to make financial decisions in the short-to-intermediate terms. This is why we created a proprietary, low-cost, systematic risk management strategy to ensure that investors can handle periodic volatility without abandoning their investment plan.
Tax-efficiency is a cornerstone of investment management
- Cultivate Financial has the technology and expertise to manage taxes eliminating the need to pay fees for outside asset managers
- Management of highly concentrated stock positions
- Tax-Loss Harvesting; realize losses to offset gains reducing ordinary income taxes or capital gains
- 1031 exchanges into a DST, Delaware Statutory Trust to manage capital gains
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