Investment Management
The engine of the wealth system. We use a total portfolio approach to manage risk, return, liquidity, and opportunity at the whole-portfolio level.
Wealth Management
Wealth, built as a strategy.
StratFinx Wealth helps you coordinate investment management, cash flow, capital allocation, taxes, and equity compensation into a system that compounds.
Wealth Strategy
Wealth works best when the pieces move together.
Wealth strategy is the layer above the investment account. It connects the portfolio, cash flow, taxes, equity compensation, and capital decisions into one system.
That gives you a framework for making better decisions before they become urgent.
Cash Flow Strategy
Plan spending, saving, distributions, and liquidity with intent so the portfolio and the rest of life stay in sync.
Capital Allocation
Direct capital to the places where it does the most work, balancing growth, flexibility, and long-term priorities.
Tax Awareness
Account for tax consequences before decisions are locked in, so the plan reflects real after-tax outcomes.
Equity Compensation
Manage vesting, concentration, diversification, and timing when stock comp is a meaningful part of the picture.
Legacy Creation
Position wealth to support family, purpose, and long-term continuity beyond the current generation.
Risk Management
Use insurance as part of the system, helping protect the plan from avoidable disruptions and major blind spots.
Behavioral & Structural Discipline
Build a framework that supports good decisions, reduces noise, and keeps the plan resilient when conditions change.
Total Portfolio Approach
A unified investment framework that puts you first.
Growth
Credit
Rates
Inflation
Uncorrelated
Illustrative — targets vary by client
Built around your risk target, not a static mix.
Most firms start with an allocation, such as 60% stocks and 40% bonds. Then, they fit you into that box. They call this "Strategic" Asset Allocation (SAA).
We start with your risk: how much volatility you can absorb, your time horizon, and your specific goals. The answers shape how each account is managed.
The mandateEach account is defined by its purpose and time horizon. We use this to set a risk target, not an allocation.
Risk is the anchorWe manage risk at the portfolio level, so the target stays constant as allocations shift with market conditions.
Adapting to the marketAs markets move, risk in SAA changes even if the holdings haven't. We adjust to bring risk back to target.
Horizon shapes the mandateAs your horizon changes, the mandate shifts to reflect your new risk profile and goals.
The traditional approach was built for a simpler time.
Strategic Asset Allocation is simple, scalable, and widely used. But it is also rigid. It does not adapt to your needs or what is actually happening in markets. It assumes your level of risk is flexible, even if it puts you at higher risk.
TPA does not. It starts with your full picture and builds from there.
You are not a templateA fixed allocation ignores tax drag, compensation structure, liquidity needs, and concentration risk.
Rebalancing is not strategyIt is maintenance. TPA is forward-looking, not backward-correcting.
Risk tolerance is personalStandard allocations approximate it. TPA models it to your goals.
Complexity requires moreEquity comp, concentrated positions, and multiple accounts require a system, not a rule of thumb.
How the portfolio is actually managed.
Under TPA, risk is actively managed. When volatility rises or valuations shift, the portfolio responds, adjusting allocations to maintain the risk target rather than drifting back to a fixed mix. We evaluate holdings by their contribution to the risk factor mix — growth, rates, inflation, credit, or diversification. If a position is not improving that picture, it does not belong.
Risk engines, not bucketsWe allocate by risk factor — growth, credit, inflation, and more — not by asset class. Each position is sized by its contribution to total portfolio risk, not by a target weight.
Quantitative methodDesigned to remove bias. Market conditions and data guide our positions, not vibes or inertia.
How positions are selectedTPA forces every position to justify its place. We don't hold a position just because a model dictates an allocation.
For complex situationsSAA works for simple situations. TPA is built for complexity: multiple accounts, equity comp, and goals that don't fit a model.
TPA thinking extends beyond investments.
The portfolio does not exist in isolation. Cash flow, taxes, equity compensation, legacy goals, and risk protection all interact with it. TPA accounts for that. A decision about when to exercise options affects portfolio concentration. A distribution strategy affects tax drag. An insurance structure affects how much risk the portfolio needs to carry. We apply the same whole-picture thinking across all of it.
Cash flowLiquidity needs and spending patterns shape how the portfolio is positioned. We plan distributions and savings with it in mind, so one does not undermine the other.
Tax awarenessAsset location, harvesting, and rebalancing are coordinated across all accounts. The goal is the best after-tax outcome across the whole system.
Equity compensationConcentration from vesting is measured against total portfolio exposure. Timing decisions account for tax drag and diversification.
Legacy creationEstate titling, trust structures, and transfer strategies are integrated into the portfolio framework from the start, not bolted on later.
Who we work with
Built for people with complexity.
Most people are not asking for one isolated investment idea. They want a system that handles multiple moving parts in a coordinated way.
Professionals with stock comp, bonuses, concentrated positions, or comp-related tax complexity.
Families and couples needing a broader portfolio view, thoughtful capital allocation, and better coordination.
People whose personal wealth and business decisions overlap.
Next step
Wealth strategy, made more intentional.
If you want a more coordinated approach to portfolio decisions, cash flow, taxes, and equity comp, we can start there.