Investment Management

Investing works best when viewed through the financial planning lenses

This ensures that the proposed strategy will allow you to meet your financial goals. We have no minimums for those that desire to work with us. Your money is held in custody at TD Ameritrade or Charles Schwab.

We keep these key points in mind as we design your portfolio

1) NO MARKET TIMING

We focus on an evidence-based approach that takes emotions out of the investment decision-making process. We’ll stay calm when the market fluctuates and stay focused on your long-term goals.

2) DIVERSIFICATION

We diversify into multiple asset classes like companies – large, and small, geographic locations – US and foreign (emerging and developing), and multi-asset styles (growth, value), all while keeping an eye on costs and risk.

3) ASSET ALLOCATION

We spread your money out among different assets such as equities (stocks), fixed income, and cash equivalents based on your goals and risk assessment.

4) ASSET LOCATION & TAX EFFICIENCY

We carefully consider what vehicles (accounts should hold those assets). We answer the question of what should go into your Roth account versus your 401k/traditional IRA versus your brokerage accounts. They have different tax treatments, which drives the decision.

5) LOW-COST INVESTEMENTS

We mainly use low-cost EFTS (Exchange Traded Funds) to keep costs low for you.

IMPLEMENTATION AND ONGOING SUPPORT

Once the portfolio design is complete, we manage all the technical aspects of the implementation, and ongoing maintenance like tax-loss harvesting, and rebalancing.

WHAT ARE THE INVESTMENT FEES?

Transparency is a key value in our business, so we want you to know exactly what you’ll be paying for this service.

For clients with $250,000 or more in assets under management with Elgon Financial Advisors, ongoing comprehensive financial planning services fees may be waived at the firm’s discretion after the initial 12 months of the engagement.