Allocation built around your situation
Time horizon, tax situation, income needs, risk tolerance. The portfolio is built from those inputs, not from a one-size model.
Investment management in Boca Raton handled as portfolio construction, asset allocation, and tax-sensitive investing from a fiduciary CFP. Fee-based, no proprietary product pressure.
Time horizon, tax situation, income needs, risk tolerance. The portfolio is built from those inputs, not from a one-size model.
Asset location across taxable, tax-deferred, and tax-free accounts. Tax-loss harvesting, gain budgeting, and Roth conversion coordination.
Your assets are held at a major independent custodian. We don't take custody. Compensation is advisory fees, not commissions on what we recommend you buy.
Drift gets corrected on a defined cadence, not when someone happens to remember. The discipline is the point.
Investment decisions reference the broader plan: cash flow, tax, retirement, estate. See how planning ties in →
Every quarter you get a written portfolio summary with positioning, performance context, and what changed. Not just a statement.
The right portfolio is the one you can hold through what the market does over the next twenty years. That means the work is less about picking winners and more about building a structure that matches your time horizon, your tax situation, and your tolerance for the drawdowns that will happen.
Beth's framing on this: the math of returns is the easy part. What separates a good outcome from a bad one is whether you stay in the seat during the years where staying in feels worst. The portfolio design and the coaching that comes with it are both part of the work.
Three things that shape how we deliver investment management for South Florida clients.
Investment Management doesn't sit alone. The investment plan, the tax plan, and the estate plan reference each other. We coordinate all three so decisions match.
No off-the-shelf model portfolios or boilerplate plans. The recommendations match your specific income, tax bracket, family situation, and timeline.
We meet on a quarterly cadence to adjust the plan as your life and the tax code change. The relationship is long-term by design.
What we don't do. We don't lead with proprietary products, structured notes, or non-traded REITs as a portfolio building block. We don't take custody of your assets. We don't promise market-beating returns. The honest answer is that nobody who has to tell the truth to a regulator can.
Your accounts are held at a major independent custodian. You can log in anytime, see your holdings, see performance, and download statements. We've discretionary authority to trade in line with the agreed plan, but we don't hold or move money outside of trades.
Compensation is a percentage of assets under management, fully disclosed in advance. Most relationships also include a financial planning component without an additional planning fee.
Every quarter you get a written summary that covers what the portfolio did, what we changed, what's coming up (rebalancing dates, tax-loss harvesting windows, RMD deadlines if applicable), and any decisions we need from you. Once a year we sit down for a full review of allocation, goals, and the broader plan.
Common entry points and adjacent services within the investment work.
401(k), 403(b), and old employer plan rollovers. Mechanics, tax considerations, and how they fit the broader portfolio.
See ira rollover planning →Multi-year tax modeling and conversion ladders, coordinated with portfolio decisions.
See roth conversion strategy →Tax-loss harvesting, gain budgeting, and asset location across account types.
See tax-sensitive investing →Most investment management clients also have planning work going on at the same time. Some of the most common situations:
"I was managing my own portfolio for fifteen years. It worked until it didn't. Beth's team took over the trading and the rebalancing. The honest answer is I should have done this five years sooner."
"What surprised me was how much the tax-loss harvesting actually compounds over a few years. I'd been doing some of it on my own, badly. Letting them run it properly was worth the fee in year one."
"After my husband passed I had no idea how to handle the brokerage account. Beth walked me through what we owned, what made sense to keep, and what we should sell. She didn't push."
Posts our wealth advisors have put together on this topic.
Portfolio construction, asset allocation, ongoing rebalancing, tax-loss harvesting, asset location across taxable and retirement accounts, and quarterly review and reporting. For most clients it also includes coordination with the broader financial plan.
At a major independent custodian, not in our name. We've discretionary authority to trade in line with the agreed strategy, but we don't take custody. You can log in anytime, see your holdings, and download statements.
Investment management is billed as a percentage of assets under management, scaled down as account size grows. The fee covers the portfolio work, ongoing planning, and access to the team. Specific rates are disclosed before any engagement.
No. Anybody who promises a specific return on a portfolio of real-world investments is either lying or selling something. What we promise is a disciplined process, a portfolio built around your situation, and honest communication when things change.
For most portfolios, the building blocks are low-cost index ETFs and mutual funds, individual fixed income, and where appropriate, separately managed accounts. We don't lead with proprietary products, structured notes, or non-traded REITs. Specific allocation depends on your plan.
Active 401(k)s usually have to be self-directed within the plan's available options, but we can review your allocation and recommend changes. Old 401(k)s can be rolled over into an IRA we manage if that fits your plan. See the IRA rollover page for details.
The first meeting is a conversation, not a sales pitch. We'll talk about where you are, what you're working through, and whether Intercoastal is the right fit. In person in Boca Raton or Plantation, or by video from anywhere.