Unconventional Investor, LLC - Services

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Portfolio Review

This comprehensive analysis helps you understand your current portfolio, what actions you should take and an understanding of what you have, what you should do and what you should expect.

PORTFOLIO REVIEW
The portfolio review uses Vanguard tools exclusively available to investment professionals, complemented with custom analysis. This comprehensive view includes the three most important characteristics of your portfolio today, including:

• ASSET ALLOCATION--Few US stock funds provide meaningful diversification when compared to other US stock funds, so a portfolio with many different mutual funds may still lack effective diversification.
• EXPENSES--I evaluate the expense ratio of all your investments, including annual expenses and 12(b)1 fees. Most clients are surprised with just how much they pay in fees.
• TAX EXPOSURE--Clients choosing to restructure their portfolio will be taxed on realized capital gains. Two possible reasons for restructuring now are that many investors have accumulated losses from the Internet bubble and that the long-term capital gains rate is at an all time low of 15%. The combination makes it an opportune time to restructure. Please check with your tax professional for the tax implications of your specific situation.

SCENARIO PLANNING
It is vital to understand how much you might have at retirement or when it's time for college. Using realistic market-based assumptions, I can tell you how much you can expect to end up with for your various savings goals.

PORTFOLIO RECOMMENDATION
Based on each client's unique circumstances and financial goals, I propose a portfolio allocation and a strategy to sustain that target allocation over time.

See a Sample Report.