Family Office Investment Management
Financial Gravity Asset Management is the Registered Investment Adviser that manages portfolios for clients of Financial Gravity Family Office Services. It works from the plan your Family Office Director and their team build for you, so your investment allocations follow your tax strategy, your income needs, and your long-term intentions.
What Asset Management Does for Clients
Financial Gravity Asset Management allocates, manages and rebalances investment portfolios for individuals, families and business owners. Its investment philosophy is grounded in Family Office thinking, and is called Control the Controllables®. We believe no one can reliably predict markets, economies, interest rates, inflation, or legislation. However, four things can, and should, be managed: total portfolio risk exposure, after-tax compounding efficiency, what it costs the client, and how skillfully it is diversified. Financial Gravity Asset Management avoids speculation, and puts its effort into those controllables.
Total portfolio risk exposure
Risk is measured account by account and then summed for total client exposure. Real Risk Meter™ establishes how much risk a client can tolerate, and the portfolio is built and rebalanced accordingly.
After-tax compounding efficiency
What you keep is what matters. HALO™ locates each holding in the type of account where it is taxed most efficiently, so more of each year’s return contributes to compounding.
Cost to the client
Portfolio costs are a kind of tax on returns, in good markets and bad. FG Asset Management builds portfolios from low-cost index funds instead of outside managers or actively managed mutual funds, and charges no performance fees and no wrap fees.
Skillful diversification
Market leadership rotates. Small companies lead in some periods and foreign stocks in others, and no one can reliably call the next turn. The skill is in the blend. 4beta portfolios spread stocks across asset class, geography and company size, and bonds across duration, type and maturity, so the result depends less on any single market. 4alpha portfolios are individual stocks diversified across industries with superior long-term market leadership.
How Your Family Office Director Uses Asset Management
A Family Office Director leads the client relationship and guides the client’s overall plan. Asset Management carries out the investment part of that plan and coordinates with the other Financial Gravity companies.
Tax Services→
Tax strategy belongs upstream of asset allocation. The portfolio is then built and managed to fit the client’s big-picture tax situation.
Enhanced Markets→
Risk management works in cooperation with wealth management. Where appropriate, insurance and annuity positions work to create retirement and legacy plans.
Legacy Services→
Decisions about portfolio structure and management are made in the context of the client’s estate and charitable intentions.
Based on the Family Office, the model that the world’s wealthiest people have long employed, Financial Gravity’s entities are orchestrated to serve the best interests of our clients.
Meet the executive team →Purpose-Built Applications and Portfolios
Real Risk Meter™
Helps determine an appropriate balance of risk and return for a client’s portfolio before any money is allocated or invested, then monitors the portfolio’s risk exposure over time.
HALO™
HALO™ (Holistic Asset Location Optimization) is the portfolio tax overlay. It places each holding in the type of account where it will be taxed most efficiently and manages gains and losses across all of a client’s accounts.
Incomize™
Incomize™ plans for retirement income. It addresses the risks of a long life, inflation, risk aversion that grows with time, investor behavior and the state of the market at the moment retirement begins. Portfolios are rebalanced as markets move.
4beta
4beta portfolios are broadly diversified and factor-based. They can hold all stocks, all bonds or a blend, and are built from low-cost index funds.
4alpha
4alpha portfolios hold individual stocks in companies with dominant brands that lead long-term trends, and are managed for tax efficiency.
Asset Management uses no outside managers and no actively managed mutual funds. It charges no performance fees and no wrap fees.
Focused on Client Benefits
One view of everything
Accounts held in several places are coordinated and managed according to a holistic plan.
Reflects real portfolio risk
Portfolios are structured to create wealth inside the boundaries of historical asset-class volatility.
Tax efficiency is built in
Tax consequences are weighed before each trade to maximize after-tax compounding.
Transparency
The client knows what is paid and what it pays for.
Intelligent withdrawal management
Withdrawals before and in retirement are made in the context of long-term security.
Steadiness in volatile markets
Plans are built with the expectation that there will be corrections and bear markets.
A Taxes First, Then Math™ Analysis Is the Right First Step
Taxes First, Then Math™ is a status quo analysis of your current holdings. It examines your costs of products and advice, looks for inefficiencies in asset location or turnover, weighs your diversification across accounts, and computes your maximum downside risk in a bear market. For most clients, this is the first time they will have ever seen this vital information. The Analysis is complimentary.
Start With the Analysis, a Call or a Question
Your Taxes First, Then Math™ Analysis is grounded in our Control the Controllables® philosophy, and can give you valuable insights into your current situation.
If you would rather talk first, please schedule a call. Family Office Directors are located across the country, and also meet remotely. A discovery conversation is complimentary.
If you have any questions, we’re here to help. Please tell us who you are and what you’d like to know, and we’ll get right back to you with the answers.
Request a Taxes First, Then Math™ Analysis
Taxes can materially reduce investment gains over time, but often don’t get the attention they should. The right investment program starts with tax considerations. Wise investors also carefully consider all the costs of managing their money, and they use diversification to solve for a wide range of risks that go far outside the ones in their portfolio.
On top of all that, many investors simply do not know what their maximum downside loss exposure is. Do you? Can you say just how risky your portfolio really is?
It costs nothing to find out if your portfolio is right for you. Get your Taxes First, Then Math™ Analysis with no obligation. After all, a quality second opinion never hurt anyone.
Six Companies, One Coordinated Whole
The FG companiesEvery Family Office Director directs the specialized expertise of the Financial Gravity companies — tax, asset management, risk, legacy, and family office services working together in the client’s best interest.