Financial Breakthrough Tailors Your Portfolio to Your Unique Needs
Whether working, retired, or somewhere in between, our investment advisors ensure each client’s portfolio is tailored to meet his or her unique needs.
- We build, manage, and monitor an asset allocation with the highest probability of success that’s unique to your time horizon, financial needs, and risk tolerance.
- We screen out companies that don’t align with your social values, such as companies with poor environmental records or questionable employee rights practices.
- We invest in companies with high environmental, gender equity, social, and corporate governance ratings. In fact, in 2019, Financial Breakthrough joined as the only Registered Investment Adviser signatory to the UN-backed “Principles for Responsible Investing,” a pledge whereby firms commit themselves to incorporating sustainability issues into their investment processes.
- We optimize your portfolio across taxable, tax-deferred, and tax-free accounts, taking into account your income level, capital gains, and our capital market assumptions. This ensures your portfolio is tax-efficient from a broad range of perspectives.
A Multifaceted Approach to Investment Management
We strive for superior risk-adjusted returns.
You invest to achieve specific financial goals. Our role is to ensure our portfolio management reliably helps clients achieve those goals. But investment returns are not free; the more return sought, the more risk must be undertaken. Our globally diversified, low-cost portfolios can deliver the highest probability of investment success.
We embrace the power of science and academic research to build better portfolios.
Factor investing, also called “scientific” or “rules-based” investing, is an investment approach that invests in companies exhibiting certain quantifiable characteristics that have demonstrated through academic research to deliver superior risk-adjusted returns over time—not every time, but over time. Academic research suggests that overweighting certain factor exposures, such as value and momentum stocks, can add an additional 2% return annually over time on an equity index-based investment portfolio.1
We systematically and regularly rebalance portfolios.
You’ve likely heard the phrase “buy low and sell high.” This systematic rebalancing: a methodical, non-emotional exercise of simultaneously selling outperforming assets while buying underperforming assets. And it has been shown to add as much as 0.44% per year in additional return to a diversified portfolio.2
We build tax management into your investment portfolio.
Taxes can significantly erode investment returns. To help achieve superior after-tax returns, we work with our clients to ensure their portfolios are integrated with their overall financial plan and tax situation. Our clients benefit from a proactive tax planning strategy that works to minimize tax liability for current and future years. Studies show that proper tax management can add up to 1% per year to long-term returns.³
We walk with you on the path to Economic FreedomTM.
When working with a trusted financial advisor, you’ll partner with an expert who can help you understand the impact of certain decisions on your financial plan. Your advisor will get to know you, your family, and your goals, to provide tailored one-on-one guidance and oversight.
An Investment Committee Focused on You
As a fiduciary, we manage your wealth with the same care and diligence with which we manage our own.
We understand that clients entrust to us their life savings, and that no two clients are alike. Some come to us with unique tax challenges, difficult family dynamics, or personal social values that they’d like to see incorporated in their portfolio. All clients share a desire to have their wealth managed using the best thinking available. Financial Breakthrough is uniquely positioned to deliver on all these fronts, while meeting your investment goals.
Unlike many firms where a single advisor or perhaps the owners of a firm make all investment decisions, we have a separate 16-member investment committee that oversees investment research, policies, portfolios, and managers.