For Business Owners & Individuals

Wealth Management Services

Tao Financial employs a top-down, strategy-focused approach to building your investment portfolios. It begins with understanding your overall financial picture including your sources of income and level of savings, the amount and location of your current assets, your sensitivity to taxes and fees, the length of time you will be investing, and your overall willingness to tolerate risk in your portfolio. If you’re a business owner, we also consider your legal entity structure, your level of wages vs. business income, the number of employees you have, your employees’ level of skill and experience, your employees’ length of service and compensation, and whether there are other owners. These inputs will influence which vehicles we recommend you invest in, such as:

• Traditional or Roth IRA
• SIMPLE IRA
• Simplified Employee Pension (SEP) Account
• Taxable Brokerage Accounts
• Solo or Group 401k Plans (also Traditional or Roth)
• Profit-Sharing Plans
• Cash Balance or other Pension Plans
• Executive Deferred Compensation Plans
• Real Estate or Other Physical Assets
• Limited Partnerships or other Illiquid Alternative Investments

After determining which vehicles will be used to invest your money, we will recommend at least one service provider to work with. The factors which we consider in making these recommendations include the general availability of investment options on the platform, the total estimated annual cost you would pay for their services, and the quality of our firm’s relationship with the service provider (this can matter more than you think in terms of service quality). It’s important to note that each vehicle can have unique properties, features, or risk factors that influence how money is invested in them. For example, a taxable account may benefit from investing in ETFs or mutual funds that generate less tax, while a 401k might benefit more from accessing retirement-class mutual funds not generally available in taxable accounts.

Tao Financial then constructs a series of portfolios for you across the vehicles you selected. We build each vehicle’s portfolio with the big picture in mind, ensuring that the overall risk across your invested assets is consistent with your unique level of risk tolerance. Depending on your objectives, time horizon, and preferences, we may also structure parts of your portfolio to accomplish specific goals such as buying a house, planning out retirement distributions, saving for your children’s college, or growing their inheritance.

After creating your customized investment portfolio, we will monitor and review your investments on a quarterly basis (at least!) to confirm that they are performing as expected, that nothing substantial has changed regarding each investment’s strategy or management team, whether there are opportunities to reduce fees based on asset growth and to assess whether your portfolio requires any adjustments to maintain your targeted level of risk.