To construct a customized portfolio aligned with your risk tolerance, investment objectives, time horizon, and cash flow needs, we work collaboratively with you to gain a comprehensive understanding of your financial situation. Our approach ensures that we design a portfolio tailored to help you achieve both your short-term and long-term goals. Through ongoing management and regular reviews, we can adapt the portfolio to changing personal circumstances, objectives, and market conditions.

Our portfolios are grounded in Modern Portfolio Theory, a practical method for selecting investments in order to maximize their overall returns within an acceptable level of risk. To do this, we employ a diverse range of investment tools, including low-cost Exchange Traded Funds (ETFs), mutual funds, and, when appropriate, individual stocks and bonds, to build a well-balanced and optimized portfolio.

For accredited investors seeking enhanced diversification  and potentially higher returns, outside of the traditional public markets, we may selectively incorporate Alternative, Private Market Investments into portfolios. 

At Stone Fortress Wealth, our Risk Management strategy extends beyond merely aligning portfolios with your risk tolerance. We take a comprehensive approach by actively managing and mitigating risks within the portfolio itself. This involves regular portfolio rebalancing to maintain alignment with your risk profile and investment objectives, ensuring that asset allocations remain optimal amid market fluctuations. Additionally, we employ tax-loss harvesting strategies to minimize tax liabilities and enhance after-tax returns. Our approach also emphasizes maintaining appropriate levels of liquidity relative to your short, intermediate, and long-term financial goals. By integrating these strategies, we strive to enhance portfolio stability, mitigate downside risk, and maximize long-term growth opportunities, all while safeguarding your financial well-being.