Investment Advisor and Portfolio Management Services in Jacksonville FL
Knowing what moves wealth, not only what moves markets.
Modern Portfolio Management
Invest with a Disciplined, Diversified Approach
We provide personalized portfolio management built around your risk tolerance and your goals. We aim to take the emotion out of investing by following a disciplined, research-driven process through changing market conditions.
Our Approach
We aim to construct a diversified portfolio that emphasizes sustainable long-term growth while working to manage risk. Our approach is dynamic: we monitor and adjust in response to changing economic data and investor circumstances, weighing your risk tolerance and financial goals.
Tax-aware Investing
We help investors incorporate tax efficiency into their overall financial plan. While investment returns are important, keeping more of what you earn can make a meaningful difference over time.
We look for opportunities to minimize the impact of taxes through strategies such as tax-loss harvesting, efficient use of retirement and tax-advantaged accounts, and thoughtful placement of investments across taxable and non-taxable accounts. By integrating tax considerations into your portfolio design, we aim to enhance after-tax returns and preserve more wealth for your future.
The Role of Dividends and Compounding
Reinvested dividends and interest compounding over time can be a powerful driver of a portfolio’s total return over the long-term. We incorporate companies with a history of consistently growing their dividend. Investors who are patient will recognize that a modest yield today can grow significantly over time.
Companies that sustain dividends across different market cycles are often well-established businesses. In periods of market stress, more conservative investors often look to these dividend-paying companies, which can be more stable and generate steady cash flow. Dividends are not guaranteed and can be reduced or suspended.
Growth Strategies
We identify companies positioned to benefit from transformative changes in technology, demographics, the economy, societal attitudes, and other large-scale trends. Growth investments are generally associated with higher growth potential and higher volatility.
Growth strategies may not be suitable for every investor. They can be more volatile and more sensitive to shifts in investor sentiment. Growth investments can play an important role in a diversified portfolio with a long-term investment horizon.
Professional Management for your Workplace Retirement Plan
Your employer-sponsored retirement plan is often one of your largest assets. Thoughtful management today can give you more confidence tomorrow.
Portfolio Management for 401(k), 403(b), TSP, and other Employer Plans
Deciding how to invest your employer plan such as a 401(k) can feel overwhelming. We use technology to securely access and manage your held-away retirement accounts, such as 401(k) and 403(b) plans. This allows us to incorporate these assets into your overall financial plan, rebalance investment allocations within the plan, and align them with your broader retirement strategy and risk tolerance. By including these accounts in our active management, we can provide more coordinated, holistic oversight of your retirement savings rather than leaving these significant assets unmanaged.
Frequently Asked Questions
Get Started in Three Simple Steps
Choosing a financial advisor can feel intimidating. Our goal is to keep the process simple and transparent.
Complimentary Consultation
Schedule a free in-person or virtual consultation with one of our financial advisors.
Portfolio and Risk Analysis
We review your portfolio, risk tolerance, and financial goals. We will then provide an analysis of your portfolio so you can understand how you are currently invested relative to your risk tolerance.
Implementation and Monitoring
Together we establish a plan to put the recommended actions in place. We then provide ongoing portfolio management and guidance as you pursue your goals.
Our Fees
We are a fee-only advisor, which means we are compensated by our clients, not through commissions or product sales.
|
Assets under management |
Annual fee |
|---|---|
|
Up to $500,000 |
1.25% |
|
$500,001 – $1,000,000 |
1.00% |
|
$1,000,001 – $2,500,000 |
0.90% |
|
$2,500,001 – $5,000,000 |
0.80% |
|
$5,000,001 – $7,500,000 |
0.70% |
|
$7,500,001 – over |
0.60% |
Fees are billed on assets under management as described in our Form ADV Part 2A. Minimum Fee: Truewater Wealth generally requires a minimum annual household fee of $1,000 for portfolio management services. The schedule above is for general information and does not constitute a fee quote.
Ready to Take Control of Your Financial Future?
Schedule a complimentary consultation with one of our financial advisors to discuss your goals and how we can help you pursue them.