A Better Investing Experience
When the market dips, how confident are you that your plan is still on track? We strive to make sure every Plancorp client isn't glued to the news during market volatility, but instead has the confidence going in that their portfolio is diversified in a way to weather what are natural peaks and valleys in the market.
The inherent risk of investing drives the growth, and we use decades of evidence to help decide how to craft portfolios in a way that lasts. We're less worried about making sure the latest trend is incorporated and instead ask whether something is compelling enough to deviate from a good plan.
If you're ready to pursue that better investing experience, we should talk.
Long-Term Investing
A lot of the internet chatter about investing focuses on trying to pick the next big thing that will triple in value overnight. While many of those stories are written by the (few) winners, the reality is no one has a crystal ball.
At Plancorp, our investing philosophy is steeped in academic research, not click bait. We know that investing isn't about short-term gains, but driving long-term wealth creation with low-cost vehicles that you can reasonably count on to help you achieve your goals.
If you're tired of only hearing from your advisor when they have something new for you to buy or struggle to get them on the phone when there's a dip in the market, our philosophy will feel like a breath of fresh air.
Deep Diversification
You might think of diversification as a simple breakdown of equities and bonds in your portfolio, but we take it a step further.
We work with fund partners that help us deeply diversify our portfolios: constantly balancing not just stocks and bonds but small and large cap, domestic and global, funds and classes.
Through ETFs and strong relationships, we help select low-cost options with broad exposures and won't shy away from providing you with regular reporting with benchmarking. We're in it for the long-haul, and want your portfolio to give fuel to the life you want to live and the legacy you want to leave.
Tax Efficiency
We work with successful people who have already responsibly saved and invested for their future. But they often come to us with concentrated portfolios in one way or another.
One common issue is a ballooning tax-deferred portfolio held in a 401k. While an incredible tool to save those pre-tax dollars early on, there comes a time where this could put you in a position where you're required to take large required minimum distributions before you're ready. We help with multi-year Roth conversion strategies that help keep the tax impact of your smart investments as low as possible.
This is just one example of how we help make sure your savings aren't eaten away by unnecessary tax burdens.
Balancing & Harvesting
When you invest with Plancorp, you can be confident that your portfolio is being kept within the allocation you set with regular rebalancing.
Our portfolio management team is always on the lookout for opportunities to maintain the risk exposure you truly need to achieve your goals, as well as taking advantage of opportunities to "harvest" any losses in an effort to balance the tax burden on your nest egg.
If your advisor hasn't talked about tax loss harvesting through volatility, it might be a sign you've outgrown basic investment management.
