Investment planning that aligns with your financial goals
Your portfolio shouldn’t exist in a silo. We’ll consider your entire financial picture to help you grow your investments* while building a clear roadmap toward living your rich life.
*Every personal and financial situation is different, and actual results could differ materially from those anticipated. We cannot guarantee specific financial outcomes.
Part of your comprehensive financial plan
Tailored to your risk profile & goals
Your investment strategy should reflect where you are in life and where you’re headed.
From catching up on savings to fine-tuning your retirement plan, we build portfolios that fit your timeline, goals, and risk tolerance.
Your goals come first.
Then we design an investment strategy to support them
We review it regularly as your life evolves
We adjust based on life changes like promotions, marriages, kids, and career shifts
We connect it to your broader financial plan
Risks before returns
Before making any investment decisions, we conduct a comprehensive risk assessment. We need to understand not just what returns you’re hoping for, but what volatility you can actually tolerate when markets get choppy. The optimal investment plan is one you can stick with through ups and downs.
Our evidence-based investment philosophy
Investing should be as boring as paying off debt. No flashy strategies. No chasing returns. Investment “sizzle” can also mean expensive and risky. It’s about time in the market, NOT timing the market.
Long-term, passive approach
The market has been efficient over long periods of time. A stock portfolio built on consistency typically yields returns of 6%-10% annually*. We’re not trying to time the market or pick winning stocks. We’re designing portfolios for long-term wealth creation. Our approach centers on three key principles: strategic asset location, low-cost funds, and disciplined rebalancing.
Strategic asset allocation
The right mix of stocks, bonds, and other investment classes based on your timeline and comfort level
Low-Cost Funds
No expensive, actively-managed funds that drag down returns
Disciplined Rebalancing
Stay on track without emotional reactions
The advisor advantage
You might wonder: “Can’t I just do this myself or use a robo-advisor?” You could. But research from Vanguard* shows that working with an advisor can add approximately 3% in net returns annually. While behavioral coaching is a significant part of that value, it also comes from tax-loss harvesting, strategic asset location, and tax-efficient withdrawal sequencing.
Here’s what working with the YFP Wealth team looks like in practice:
Behavioral coaching
We help you avoid emotional mistakes like panic selling during downturns, chasing hot investments, and poor timing decisions that may cost DIY investors hundreds of thousands of dollars over decades.
Tax optimization
Through strategic asset location and withdrawal planning, we minimize tax drag while you’re building wealth and maximize flexibility when you’re living off your portfolio in retirement.
Disciplined rebalancing
We keep your portfolio aligned with your strategy without the emotional reactions that derail individual investors.
Tax-efficiency through asset location
Many investors miss something critical: It’s not just what you own, but WHERE you own it. Asset location matters as much as asset allocation. The same investment can have dramatically different after-tax returns depending on which type of account it’s held in.
We strategically place your investments across pre-tax accounts (Traditional 401(k), Traditional IRA), Roth accounts (Roth 401k, Roth IRA), and taxable accounts (brokerage accounts).
This optimization works for you in two ways. First, it minimizes the tax drag while you’re accumulating wealth during your earning years. Second, it gives you maximum flexibility and control over your tax situation when you’re living off your portfolio in retirement.
The right asset location strategy may save you tens of thousands of dollars in taxes over your lifetime.*
Your 1-page investment policy
We know that handing over years of hard-earned savings to work with an advisor is a big decision. That’s why we create a personalized Investment Policy Statement for every client. This is our shared agreement for how we will advise on your investments. Think of it as the key principles guiding your portfolio.
Before we manage anything, we work together to establish your investment philosophy based on your goals, risk tolerance, and timeline. We’ll do the heavy lifting, but only within the framework we’ve agreed upon together.
Your IPS serves as your north star during volatile markets: a reminder of the strategy and reasoning behind your investment decisions.
Ready to build an investment strategy that works for you?
Let’s design a portfolio and strategy that aligns with your financial plan so you can start living your rich life.
Or learn more about our comprehensive financial planning process >