Our Investment Models
A complete investment framework built around three buckets — Grow, Diversify, and Protect
Three buckets working together — Grow drives capital appreciation over time, Diversify owns assets that move differently than stocks and bonds, and Protect reduces volatility and (or) generates steady income — to form a complete investment framework tailored to your financial plan.
Grow
The Grow bucket are the strategies designed to drive capital appreciation over time and work alongside our Protect and Diversify buckets to form a complete investment framework tailored to your financial plan.
Core Stock Defense
A quality-tilted, lower-volatility equity portfolio with less reliance on any single company or sector than a standard index.
When markets get rocky, this tends to hold up better. You stay invested in equities without the full force of a concentrated market selloff.
In a strong bull market it may lag. When a small group of big stocks drives all the gains, you may not fully capture that growth.
Core Stock Standard
A broadly diversified portfolio of U.S. stocks across all sizes plus international and emerging markets. Built to grow your wealth over time at low cost.
This is the foundation of your portfolio. It gives you ownership in thousands of companies around the world so you are always participating in global growth.
When the stock market drops, this drops with it. There is no built-in cushion.
Core Stock Offense
A concentrated portfolio leaning into the market's strongest performers including NASDAQ leaders and top momentum stocks worldwide.
When the market's best companies keep winning, you capture more of that upside than a standard index would give you.
More concentrated than a broad index. When market leaders fall out of favor, you feel it more here than anywhere else in the portfolio.
High Conviction Stocks
A research-driven stock selection framework from Zacks Investment Research that identifies high-conviction opportunities based on earnings momentum. We refine the list down to 7 of the highest-conviction names and apply our AI overlay to actively weight positions based on evolving data and risk factors.
Zacks has a long track record of outperforming the broader market. By concentrating on the strongest 7 names and using our AI overlay to reallocate dynamically, this model aims to enhance returns and capital efficiency beyond what a standard top 10 list would deliver.
Concentration cuts both ways. A small number of holdings means one bad position has real impact. Best held in a tax-deferred account given active reallocation.
Diversify
The Diversify bucket are the strategies designed to own assets that move differently than stocks and bonds, and work alongside our Grow and Protect buckets to form a complete investment framework tailored to your financial plan.
Real Estate
A portfolio of real estate investment trusts (REITs) and infrastructure companies that own and operate income-producing properties.
Real estate provides income and tends to move differently than traditional stocks. It also offers a natural hedge against inflation over time.
REITs are sensitive to rising interest rates. When rates climb, real estate values and dividends can come under pressure.
Private Credit
You become the lender by providing loans to private companies and collecting interest. Similar to bonds but in the private market where rates are typically higher.
Provides contractual income through senior positioning in the capital structure. Returns don't move in lockstep with the stock market, adding genuine diversification. May also offer an illiquidity premium over traditional bonds.
Your money isn't immediately accessible. Some funds can restrict withdrawals under stress. Valuations rely on models and manager assumptions. Manager selection is critical.
Energy & Natural Resources
A portfolio of companies that produce and transport the energy the world runs on including oil, gas, pipelines, and uranium for nuclear power.
When inflation rises and energy prices climb, this part of your portfolio tends to benefit. It also moves differently from your stock holdings, adding true diversification.
Energy prices rise and fall with global supply and demand. When oil prices fall or the economy slows, you will feel it here.
Private Equity
The best companies in the world are staying private longer and some may never go public. This model gives you access to ownership stakes in these businesses at a stage the general public typically cannot reach.
Private managers are free from public market earnings pressure, allowing them to focus on long-term value creation. Returns are driven by execution rather than daily market pricing, offering genuine diversification from your stock portfolio.
Your money is committed for multiple years. Fees are higher and fund structures are complex. Performance dispersion is wide and choosing the wrong manager can materially impact outcomes. Manager selection is critical.
Crypto Leaders
This model holds Bitcoin and Ethereum ETFs, two of the largest and most established digital currencies in the world.
Digital assets offer asymmetric return potential. A small allocation can have an outsized impact on your portfolio. Owning them through ETFs means you get that exposure without managing a digital wallet or worrying about custody.
This portfolio is extremely volatile and speculative. If blockchain technology fails, gets breached, or faces adverse regulation, this investment can go to zero.
Protect
The Protect bucket are the strategies designed to reduce volatility and (or) generate steady income, and work alongside our Grow and Diversify buckets to form a complete investment framework tailored to your financial plan.
Core Bond
A portfolio of high-quality government, corporate, and inflation-protected bonds. These are loans to governments and companies that pay you interest in return.
This is your portfolio's shock absorber. It provides stability and income so you don't have to sell stocks at the wrong time when you need money.
When interest rates rise, bond values dip. It won't grow as much as stocks over the long run. That's the tradeoff for the stability it provides.
Liquid Hedge
A diversified portfolio of liquid alternative strategies including long/short equity, managed futures, global macro, market neutral, merger arbitrage, and multi-strategy hedge funds. All holdings trade daily on public markets.
Designed to protect your portfolio when markets fall. By combining strategies that profit in different market environments, it aims to generate positive returns regardless of what stocks and bonds are doing.
This is not a growth model. It will likely lag in strong bull markets as protection has a cost. The strategies are complex and returns can be difficult to explain quarter to quarter.
Diversified Income
A combination of dividend stocks, income strategies, and buffer funds designed to pay you regularly while limiting damage in down markets.
You get income from multiple sources at once, each with its own built-in defense. Like a seatbelt, it absorbs some of the market's drops before you feel them.
This portfolio won't grow in line with the market. The protection limits some of the upside. Distributions may be taxed as ordinary income.
Precious Metals
Primarily gold with silver. Among the oldest stores of value in the world, they hold their worth when markets come under pressure.
When stocks fall, inflation surges, or global uncertainty spikes, gold and silver tend to hold up or rise. They act as a financial safety net that doesn't depend on any company's earnings.
They pay no dividends or interest. They can sit still for long stretches. Their value comes from what they do in a crisis, not from steady everyday growth.
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