Investment Management

The investment approach begins with an analysis of each client’s financial needs, from short-term income needs to longer-term, discretionary expenses.

Assets in the portfolio are allocated to distinct asset categories so that clients know their short-term assets are comparatively safe, and long-term assets can remain invested when the market gets volatile.

We strive to recommend the best investment solutions with the lowest fees—and those low fees can make a meaningful impact on net returns over time.

Likewise, limiting tax liabilities within a portfolio can have a significant effect on net investment performance. Several tools for tax-efficient investing are utilized, including:

• Asset location: Strategically allocating different asset types between taxable, tax-free, and tax-deferred accounts.
• Long-term investing: Where possible, investments are held for more than a year, securing favorable treatment under the tax code.
• Low portfolio turnover: high portfolio turnover can increase transaction costs and create a potential tax liability.

Once the client-advisor relationship is established, your investments are monitored daily, measured against your investment objectives, and communicated to you frequently.

Being a fee-based independent investment advisor, Cowling Bay Wealth Management can offer a genuinely comprehensive investment solution. And as an independent, fiduciary advisory firm, we’re proud to be accountable solely to our clients.