The investment strategies we design for our clients are goal-based, not market focused.  Along those lines, investment decisions are based on time-tested principles rather than the latest market fads or trends.  We believe this common-sense approach best positions our clients to achieve the financial goals that are most meaningful to them, such as achieving a fulfilling and financially worry-free retirement, funding children’s education costs, and creating a lasting legacy.  

In designing investment solutions for our clients, we: 

  • Establish asset allocation models for each of your financial objectives based on goal-specific risk tolerance and timeframe parameters.  

  • Recommend specific investments to utilize in each allocation framework. 

  • Reduce costs by utilizing passive, index-based investments in the most efficient and well researched areas of the capital markets.  

  • If compelling opportunities exist, evaluate the use of active managers in specialized investment categories and less efficient asset classes.  

  • Aim to minimize current and future tax exposure by considering the tax characteristics of each recommended investment, and determining the optimal account type (e.g. tax-qualified versus taxable) for each investment to be held in.

  • Provide ongoing oversight, and complete formal reviews with you on a regular basis.  Evaluate whether individual investment holdings and overall strategies are meeting objectives.  Periodically rebalance as target allocations shift.  Make strategy adjustments based on changes in your situation, if the capital markets or economy dictate, and as you progress through different phases of your financial life.

Ultimately, we believe the ongoing implementation of this disciplined and personalized investment process allows our clients to make the most of their financial resources, appropriately manage risk, and increase the likelihood of achieving their investment and financial objectives.

Itera Wealth Management does not prepare tax returns or estate planning documents, nor does it serve as an accountant or attorney.  

Itera Wealth Management does not offer direct investments in commodities or energy, nor does it engage in commodity brokerage or trading services.