Our Models
100/0 Aggressive All-Equity Model
- Qualified Version: 100% stocks for capital appreciation, aiming to outperform indexes with minimized downside risk. Ideal for investors looking to maximize returns.
- Non-Qualified Version: Similar strategy with long-term capital gains tax efficiency and tax loss harvesting.
75/25 Growth Model
- Qualified: 75% stock, 25% bond, focusing on capital appreciation and growth while reducing risk. Suitable for growth investors avoiding large swings.
- Non-Qualified: Tax-efficient equities with long-term capital gains focus and with 25% invested in California municipal bonds.
60/40 Moderate Model
- Qualified: Perfect for moderate investors or those nearing retirement. This portfolio holds 60% in equities, and 40% in bonds.
- Non-Qualified: Tax-efficient equity holdings, and bond holdings with California municipal bonds and T-bills.
40/60 Balanced Portfolio
- Qualified: For conservative investors seeking market participation with a bond-heavy core. This portfolio holds 40% in equities, and 60% in bonds.
- Non-Qualified: Emphasis on tax efficiency with tax efficient equity investing, municipal bonds and T-bills.
25/75 Conservative Model
- Qualified: Conservative approach with market presence. This portfolio holds 25% in equities, and 75% in bonds.
- Non-Qualified: Focus on tax efficiency with indexes, municipal bonds, and T-bills.
Bond Income Portfolio
- Qualified: Maximizing income in bond markets.
- Non-Qualified: Income focus with California municipal bonds.
Capital Preservation
- Qualified: Our most conservative model, aiming to preserve capital, minimize fluctuations, and generate more income than CDs, with a 50% allocation in T-bills and/or Ultra-Short Duration Bonds.
- Non-Qualified: Also aiming to preserve capital, minimize fluctuations, and generate more after tax income than CDs. Achieved through tax-efficient municipal bonds and T-bills.
