Core Advisory Portfolios

Core Advisory Portfolios are self-managed by our firm and form the foundation of most client portfolios. They are built using a consistent framework and adjusted based on allocation decisions—not product sales. These portfolios are implemented and managed within a broader planning context, aligned with each client's goals, risk tolerance, and financial circumstances.

Core Advisory Portfolios are organized into two series based on account type:

Retirement Series – Used primarily in tax-deferred and tax-advantaged accounts, such as IRAs and Roth IRAs. Designed for long-term retirement accumulation and income planning.

Freedom Series – Used primarily in taxable brokerage accounts. Designed to support flexibility, liquidity, and long-term goals beyond retirement.

Portfolios are offered across a range of equity and fixed income allocations:

• 60% equity / 40% fixed income
• 70% / 30%
• 80% / 20%
• 90% / 10%
• 100% equity
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Allocation decisions are intentional and revisited over time as client circumstances evolve. A 100% equity allocation is available where appropriate.

Core Advisory Portfolios follow a size and style framework, with diversification across large-cap, mid-cap, and small-cap equities, growth and value styles, international exposure, and multiple fixed income durations. This approach creates balance and supports rebalancing opportunities over time.

Each model has a dedicated detail page showing current holdings, tickers, and weightings as of a stated date. Holdings may include ETFs from multiple providers, and portfolio composition may change over time. Tickers may link to third-party fund providers for informational purposes and do not imply endorsement.

We monitor portfolios on an ongoing basis, rebalance when appropriate, and adjust allocations as client circumstances evolve. Portfolio decisions are integrated with broader planning considerations, including tax strategy, cash flow needs, and long-term goals.