Time Horizon is one of the core considerations in our Comprehensive Portfolio Management Strategy, working alongside liquidity needs, volatility tolerance, and tax consequences to create personalized investment solutions for each client.
We recognize that “the financial needs of an individual in their fifties who is already retired will invariably differ from those of someone in their seventies who still works full-time.” This understanding drives our individualized approach to portfolio construction, ensuring that each client’s unique timeline is central to our investment decisions.
Most importantly, “the driving force of our asset allocation decisions is the length of time before funds need to be withdrawn from the portfolio.” This means that time horizon directly influences how we structure each client’s asset allocation, determining the appropriate balance between growth-oriented investments and capital preservation based on when our clients will need access to their funds.
Our proactive approach emphasizes developing solutions ahead of life transitions, and time horizon considerations are integrated into long-term planning rather than reactive adjustments. This allows us to tailor portfolios using individual stocks and bonds that align with each client’s specific timeline for achieving their financial goals, whether for retirement, education funding, or other major life events.
We don’t merely respond to current needs—we work proactively to develop solutions that account for our clients’ evolving time horizons and life circumstances.
