Investment Management Advisory Services
Creating a Personalized
Take Advantage of a Dedicated Portfolio Manager
From that first phone call, you realize we’re not like other investment management companies. Our company founders began in 1999 to diverge from the conflicted Wall Street model of advising. We’ve always pursued a personalized approach, transparent fee structure, and client-first business philosophy.
Each investment account at EP Wealth Advisors is assigned a dedicated Portfolio Manager to ensure that a single person remains responsible for ongoing management and account oversight.
Your Portfolio Manager works with the asset allocation determined from your financial plan and makes decisions related to actions such as account location (based on tax efficiency), tax management, and your personal mandates such as restricted securities or liquidity management.
Additionally, each of our analysts is responsible for reporting on specific areas of coverage across sectors and asset classes to our Investment Committee, an internal group comprised of seven voting members that meet weekly to act as checks and balances for each client’s portfolio.
Market updates, and any potential changes in investment strategy are communicated to your EP Wealth Advisor via a weekly firm-wide conference call.
Building a Personalized Investment Portfolio
Align Your Portfolio with Your Personal Goals
You look for personalization in every aspect of your life - and finance is no exception. Access to a personalized approach was once relegated to very high-net-worth investors. At EP Wealth Advisors, we make this a customized approach available to all of our clients.
Personalization can mean:
- Building a diverse portfolio around existing investments
- Following the investor's philosophy
- Investing based on environmental, social, and governance values
- Thematic investing based on preferred sectors, interests, or appealing companies
A Tax-Smart Investing Approach
Strategic Tax Planning and Preparation
Tax considerations are factored into our investment approach. Our tax-smart strategies may include:
- Capital gains management: When it's time to sell, we carefully review the tax implications to make portfolio decisions that are tax-smart and avoid surprises.
- Withdrawal advice: You want to tap your long-term investments for income - but how? We'll implement a plan to keep sufficient cash in your account and time your taxable and tax-deferred withdrawals carefully to avoid penalties or large tax bills.
- Tax-loss harvesting: Lower your tax bill by offsetting capital gains with capital losses.
- Distribution management: When selecting securities, we consider your exposure to additional income distributed by mutual fund investments and when they pay capital gains, dividends, or interest.
- Municipal bond investments: Depending on your situation, we may select municipal bond funds for your portfolio that generate interest exempt from federal - and in some cases state - taxes.
- Transition management: Selling off your existing investments when establishing a new portfolio can have a significant tax impact. We look for ways to integrate and transition old investments into new accounts when possible.
5 Questions to Ask About
Your Investment Portfolio
A Financial Advisor Can Bring a Fresh Perspective to Your Investment Strategy
Is now the right time to bring an investment advisor on board to manage your portfolio? Here are some key questions to ask yourself before reaching out to an investment manager.
If you’re young, single, and managing one brokerage or 401(k) account, your financial life may be relatively simple. But over a lifetime, it’s common to end up with a variety of investment accounts—old 401(k)s from former jobs, a few IRAs, inheritances, and independent brokerage accounts. It can be much more efficient to streamline your finances under one roof for enhanced visibility and ease of executing a cohesive plan.
You know investing is one way to build generational wealth—and the sooner you get started, the better—but what might be less clear are the implications of inflation, overseas volatility, and changes in the labor market. Working with an investment manager provides a valuable second opinion to confirm that you’re going in the right direction or to suggest new opportunities you hadn’t thought of before.
When you don’t have time to research your options, you open the door to impulsive, emotion-guided decisions that may not pay off in the long run. Your investment manager can help you adjust your life insurance plan, or decide whether to ramp up your 401(k) contributions. If you’re worried that you might be drifting from your original investment strategy, it may be time to let someone else take a fresh look.
Investment managers can help you navigate life’s many stages and transitions. Maybe you received a large inheritance or built up a substantial stock portfolio, started a business, or see retirement on the horizon. Perhaps you have a new spouse or you’re in the midst of a divorce. A new baby in the house, a child about to attend college, or caregiving needs for an aging parent—these are all reasons to take another look at how your investment portfolio is performing.
Quizzes on the Financial Industry Regulatory Authority website can be fun, but you still have to figure out how to apply what you’re learning to your own situation. Personalized advice becomes especially crucial when you reach a point when you have considerable wealth to invest. An investment advisor can walk you through the various options and integrate your investment strategy with other areas of your financial life, such as your liquid accounts, insurance coverage needs, debt management approach, cash-flow planning, charitable giving, or estate planning.
How We Manage Risk
Our Investment Breakdown Balances Stocks and Bonds
In order to manage risks, our advisors follow the modern portfolio theory (MPT) approach.
By looking at your individual financial goals and needs and selecting investments in asset classes with different risk parameters, such as stocks and bonds, we can create a custom-tailored and diversified investment portfolio.
WHAT TO EXPECT FROM A MANAGED
Your Current Investment Strategy May Need to Change in the Future
Humans, by nature, can be resistant to change, yet this can sometimes limit our opportunities for financial growth. Working with an investment manager can help you stay the course or adjust to changes in your situation or market conditions.
All financial markets follow cycles of growth and contraction, and as the environment changes, we adjust your investment strategy towards growth.We carefully monitor market trends and historical data and make adjustments as needed.
FIND A FINANCIAL ADVISOR NEAR YOU
Our breadth of coverage across the U.S. means we’re local—here to serve your needs at your convenience.