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Services
Passive core•Direct indexing•Tax-aware
We manage portfolios with low-cost, broadly diversified index funds as the core, and use direct indexing in taxable accounts to manage taxes at the individual-position level. Tax-loss harvesting, rules-based rebalancing, and basis management aim to keep more of what your investments earn.
Accumulators who want a disciplined, low-cost portfolio that's actively managed for taxes, without paying for stock-picking that rarely beats the index.
On the Route Plan
Your allocation is the terrain the whole plan is built on. We keep the line steady through it and let the tax work, not the guessing, do the heavy lifting.
What we do
Questions
Instead of owning a single index fund, we own the individual stocks that make up the index. That lets us harvest losses and manage taxes at the position level while keeping similar market exposure.
No. Consistent outperformance after fees and taxes is unlikely, so we track the index cheaply and put the energy into tax management and planning, where the gains are more reliable.
Let's build something together
No obligation. No sales pitch. Just a conversation.
