INVESTMENT MANAGEMENT
We believe in low-cost, evidence-based, global investment management.
SERVICES
Investment Management Services
Our investment services include portfolios that are carefully designed to help investors improve returns, reduce risk, and achieve their unique financial objectives. We believe in a simple, 4-part investment philosophy that includes keeping costs low, diversifying globally, limiting taxes, and improving investor behavior.
1.) Keeping Investment Costs Low
It’s been proven that investments with lower costs have a track record of providing higher returns. Therefore, we strive to not only offer competitive pricing for our advisory services, but to also recommend investments with low internal costs, including low-cost mutual funds and ETFs.
2.) Diversifying Investments Globally
We believe, and it has been academically proven, that no one can accurately and consistently predict the best performing asset class or sector over a long period of time. We also believe over-concentrating in one sector or asset class can lead to unnecessary risk.
That is why we maintain a healthy level of diversification in all of our model portfolios, which include large cap, small caps, domestic, international, and emerging markets holdings.
3.) Minimizing Investment Taxes
Taxes can result from capital gains and/or dividends, and higher taxes can be likened to higher fees. Higher fees typically mean lower returns.
To reduce the impact of taxes for our clients, we recommend investments with low turnover and implement strategies like tax-loss harvesting to keep taxes to a minimum.
4.) Improving Investor Behavior
We have a strong belief that good investor behavior is the most impactful component of any good, long-term investment outcome.
Part of successful investing involves the discipline to not make any knee-jerk reactions, like selling investments at a loss. We believe another key is to create a plan first and let your plan dictate your investment choices.
As markets fluctuate, it’s important that you’re able to properly evaluate your plan and that you are confident enough to stick to it.
That’s why we spend so much time with clients on building a thorough financial plan and educating on what it takes to be a successful investor.
Investment Management FAQ
1. What’s included in your investment management service?
CarsonAllaria’s investment management service includes building globally diversified portfolios, selecting low-cost investments, minimizing taxes, and providing ongoing portfolio monitoring and guidance. Their approach is designed to improve returns, reduce risk, and keep your investments aligned with your long-term goals.
2. How much does investment management cost?
Investment management costs vary depending on the size of your portfolio and the complexity of your situation, but CarsonAllaria emphasizes keeping both advisory fees and underlying investment costs low. Their philosophy focuses on cost efficiency because lower expenses can help improve long-term returns.
3. Who is investment management best suited for?
Investment management is best suited for individuals and families who want a disciplined, long-term strategy and guidance through market volatility. CarsonAllaria typically works with pre-retirees, retirees, and investors who want a structured, evidence-based approach rather than trying to time the market.
4. How does your investment management process work?
CarsonAllaria’s process starts with building a financial plan, then designing a portfolio based on your goals, risk tolerance, and time horizon. From there, they implement a diversified strategy and provide ongoing monitoring, adjustments, and guidance to keep you on track over time.
5. How do you build and manage investment portfolios?
CarsonAllaria builds portfolios using a globally diversified mix of asset classes, including U.S. and international stocks across large, small, and emerging markets. They focus on low-cost mutual funds and ETFs, maintain diversification, and rebalance as needed to manage risk and stay aligned with your plan.
6. Do you actively manage investments or use passive strategies?
CarsonAllaria primarily uses a low-cost, evidence-based approach that leans toward passive investing through mutual funds and ETFs, while still actively managing the overall portfolio through allocation, tax strategies, and rebalancing.
7. What results should I expect from investment management?
Investment management is designed to help you achieve long-term financial goals, not guarantee short-term performance. CarsonAllaria focuses on improving risk-adjusted returns, reducing costs and taxes, and helping you stay disciplined through market volatility, which are the factors that most influence long-term success.
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No client or potential client should assume that any information presented or made available on or through this website should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information.