Fall: Investment & Account Reviews
Why This Season Matters
Fall is when we take a careful look at every account that makes up your wealth — what you own, how it's invested, and how it's working together. We confirm your risk tolerance, match it to the right strategy, review performance, and pull every account into one clear picture. With year-end approaching, we also act on tax-smart opportunities.
What You'll Walk Away With
A clear understanding of our investment process — from philosophy to risk tolerance to strategy selection.
A review of your current portfolio and what new strategies I'd like you to rebalance into.
A year-end action plan covering performance figures, capital gains budgeting, and tax-loss harvesting strategies.
Our Meeting Agenda
When we sit down together, here's what we'll work through:
Investments
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We'll walk through Our Investment Process together.
Account Reviews
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Review your historical performance against your planning benchmark
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Walk through your strategy breakdown at both the household and account level
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Inventory your outside investments and spot gaps, overlaps, or risk mismatches
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Tour your portals: Flourish Cash, Schwab Alliance, and your 401(k) site
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Build a capital gains budget and harvest tax losses before year-end
Our Goal-Driven Models
Every investment model has a unique job and purpose in your overall portfolio. That's why my models are organized into three clear buckets. We pick a combination based on your risk tolerance in order to give you non-correlated investment exposures.
GROW
4 STRATEGIES
Equity-driven exposure to build long-term wealth for goals on a longer time horizon.
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PROTECT
4 STRATEGIES
Defensive strategies designed to help protect against major market declines and provide flexibility for income withdrawals.
DIVERSIFY
5 STRATEGIES
Other non-correlated strategies to help diversify you through full market cycles.
" I'm a firm believer that the portfolio should serve the plan. And that plan should reflect your dreams, hopes, and aspirations."
-David Warshaw, CFP®
When to Revisit Your Investment Plan
These are the changes that should drive portfolio updates — not macro events, politics, or whatever apocalypse you're hearing about on the nightly news.
New Job or
Income Change
Marriage, Divorce,
or New Child
Approaching or Entering Retirement
Inheritance
or Windfall
Selling a Business
or Home
Big Shifts in Goals
or Time Horizon
The Big Idea This Season
" The clients who do best aren't the ones who picked the perfect stock or timed the perfect entry. They're the ones who knew their risk tolerance, picked a model that matched it, and stayed disciplined through the cycles."
Questions to Think About Before We Meet
If the market dropped 25% next month, how would you actually feel — and would you stay invested? Your honest answer is the foundation of your risk tolerance.
Do you actually know how your portfolio performed this year, or just have a vague sense? How do you determine success?
When you look at all your accounts together — 401(k), IRAs, brokerage, your spouse's accounts — do they feel like one coordinated portfolio, or a patchwork?
Are there gains worth harvesting, losses worth using, or contributions worth making before December 31? What are you leaving on the table?
How to Prepare
Watch Before Our Meeting (optional)
Retirement Account Statements
Most recent statement for each: 401(k), 403(b), 457, IRA, Roth IRA, & SEP IRA.
Brokerage, Trust, & Annuity Statements
Original balance, current balance, interest rate, loan term, and your principal & interest payment.
Education & Family Accounts
529s, UTMA/UGMA, & Newborn Savings Accounts.
Tools & Technology Powering This Season
Here are the tools we use to power your financial plan.
Charles Schwab is your custodian — providing consolidated tax documents and year-end reporting.
Flourish Cash performs high-yield cash management for emergency funds, short-term reserves, or capital waiting to be deployed.
BitGo Wealth is a turnkey digital asset platform that enables us to securely offer Bitcoin and other cryptocurrencies to our clients
Koyfin is a powerful, web-based financial data and analytics platform we use to research global markets, analyze securities, and build investment portfolios.
Panoramix provides a clear and transparent view of how each account is performing and allocated across our models.
Exhibit A is a content engine we utilize to create visually engaging charts, graphs, and presentations to explain financial concepts to clients
