What is "asset location" and why does it matter?

Asset location is the practice of placing each type of investment in the account where its tax treatment is most efficient. For example, holding tax-inefficient bonds in tax-deferred accounts and tax-efficient stock index funds in taxable accounts. Done well, asset location can add 10–30 basis points of after-tax return per year, without changing the asset allocation at all.

Do you offer financial planning without managing my investments?

We are primarily an integrated wealth management firm where the plan and the investments work together. In limited circumstances we offer planning-only or one-time financial planning engagements. Talk to us during the initial call about your situation.

Investment Management

Monitoring, evaluating, and managing your investments against your plan.

Investment planning services and investing for retirement designed to follow your custom plan.

Golden wheat field at sunset under an open sky.

How we manage investment portfolios

An evidence-based approach, focused on minimizing costs, diversifying globally, and targeting premiums in returns.
Taxable, tax-deferred, tax-free coordination, "asset location" matters as much as asset allocation.
Custodied at Charles Schwab.
Our fee is your fee.
Disciplined, tax-aware rebalancing.

What we don't do

Stock picking as the strategy.
Frequent trading.
Market timing.
Sales of proprietary products.
Performance projections.

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Frequently asked questions

Asset location is the practice of placing each type of investment in the account where its tax treatment is most efficient. For example, holding tax-inefficient bonds in tax-deferred accounts and tax-efficient stock index funds in taxable accounts. Done well, asset location can add 10–30 basis points of after-tax return per year, without changing the asset allocation at all.

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