Investment Portfolios

We build portfolios using a size and style approach, which means equity exposure is diversified across large-cap, mid-cap, and small-cap companies, and further diversified by growth and value styles. This framework creates balance and discipline. Different segments perform differently over time—growth and value cycles rotate, and size segments lead and lag at different points in the market. We do not rely on one segment or style to carry results. Instead, this approach creates natural rebalancing opportunities and reduces dependence on any single area of the market.

Growth-oriented investments focus on companies with strong earnings expansion, innovation, and long-term appreciation potential. Value-oriented investments emphasize pricing discipline, income generation, and downside resilience. Holding both provides flexibility, supports risk management, and allows us to rebalance over time as market conditions shift. Neither approach works in isolation—together, they create a more complete portfolio.

Portfolios also include international exposure to add diversification beyond U.S. markets and reduce concentration risk. Fixed income is intentionally diversified across very short-term, short-term, intermediate-term, and select longer-duration exposure. This helps manage interest rate changes, provide more predictable income, and offer flexibility for rebalancing, liquidity needs, and cash sourcing during periods of market stress. Fixed income is used for stability, flexibility, and planning utility—not just yield.

We also offer the Zen 40, a concentrated equity strategy built around individual stocks and focused on income and growth. It is designed for clients with larger portfolios where individual positions make sense. The Zen 40 emphasizes earnings growth and dividends—income provides consistency across market environments, and dividends can be used or reinvested depending on client needs. This strategy complements, rather than replaces, diversified core portfolios.

Our approach is open and straightforward. Portfolio construction is intentional, not proprietary. Holdings and weights may be shown on strategy-specific pages as of a stated date, and portfolios evolve over time. We believe transparency strengthens trust and helps clients understand what they own and why.