Give Your Investmentsa Clear Purpose
Your investments should reflect what you need your money to do. We build your strategy around your goals, when you’ll need the money and the risk you’re comfortable taking.
Investment planning guides the portfolio we manage for you as part of one ongoing wealth management relationship.
Both reviews are complimentary. No obligation to become a client.
What Does Your Money Need to Do?
We connect your investment decisions to the goals and commitments that matter to you.
Build for the Future
Align your investments with long-term goals, including retirement and support for your family.
Prepare for a Major Purchase
Account for a home purchase or other planned expense when deciding how much cash to keep available.
Put New Wealth to Work
Consider how business-sale proceeds, an inheritance or company stock fit into your broader investment strategy.
Balance Competing Priorities
Weigh current spending and upcoming commitments alongside the need for long-term growth.
A Clear Plan for the Portfolio We Manage
Understand Your Financial Picture
We review your investments, other assets, income and cash needs alongside your goals and timeline.
Define Your Investment Strategy
We determine how much to keep available for upcoming needs and how to invest for longer-term goals, balancing your comfort with risk and ability to withstand market declines.
Put the Strategy Into Practice
We manage your portfolio and revisit the strategy with you as your needs and circumstances change.
Your goals guide the plan. The plan guides how we invest.
Direct Access. Clear Accountability.
Your Investment Manager
Work directly with Dragan Mark Filipovic, CFA®, the person responsible for managing your portfolio.
Independent Fiduciary
Investment advice centered on your goals, with an obligation to act in your best interests.
Independent Custody
Your assets are held in accounts in your name at Charles Schwab, with statements and online access provided directly by Schwab.
Standard annual advisory fee: 0.50% of assets under management.
Underlying fund expenses and applicable third-party charges are separate.
Before You Get Started
How does investment planning fit into wealth management?
Investment planning defines what your portfolio needs to accomplish. We consider your goals, when you expect to use the money, other financial commitments and the risk you are comfortable taking. Those priorities guide the investment mix and cash reserves in the portfolio we manage for you. Planning continues within your ongoing wealth management relationship as your needs change.
Can you help me plan for a home purchase or other major expense?
Yes. We consider the expected amount and timing of the expense alongside your other goals. That helps us determine how much should remain accessible and how much can stay invested for the longer term.
When funds will be needed soon, we pay particular attention to market risk, cash availability and potential taxes from selling investments. The purchase becomes part of the portfolio strategy from the outset.
How do you consider investments and assets held elsewhere?
We consider the information you share about other investment accounts, retirement plans, real estate and business interests when developing your strategy. These assets can affect your overall risk, available income and need for cash.
For example, substantial company stock may make diversification elsewhere especially important. This broader view informs the accounts we manage; assets held elsewhere remain outside our management unless included in the advisory relationship.
What if my goals or circumstances change?
Your investment strategy should evolve with your life. A career change, inheritance, home purchase, family commitment or revised retirement date can affect when you need money and how much investment risk is appropriate.
Let us know when your circumstances change. We revisit your priorities and determine whether your investment mix, cash reserves or planned withdrawals should be adjusted.
How do I get started?
Begin with a complimentary portfolio review. We discuss what you want your investments to support, when you may need access to money and any financial decisions ahead.
A recent account statement and a general picture of your goals provide a useful starting point. We explain how your current investments fit those priorities and whether ongoing management could be useful. There is no obligation to become a client.
Give Your Portfolio a Clear Direction
Already Have an Advisor?
Get an independent perspective on how your current portfolio supports your goals.
Portfolio Second OpinionDon’t Have an Advisor?
See how your investments fit together and where your strategy may need attention.
Complimentary Portfolio ReviewBoth reviews are complimentary. No obligation to become a client.