There is no one-size-fits-all portfolio. Your financial plan is unique, and so is the investment strategy that supports it. That’s why we take a comprehensive approach, looking beyond just your investable assets to understand the full picture of your financial life.
Your business ownership, real estate holdings, concentrated stock positions, or sources of income all influence how we build your portfolio. Instead of applying a predefined model, we craft an investment strategy that reflects your liquidity needs, diversification, income goals, risk tolerance, tax considerations, and growth objectives.
An Investment Approach Rooted in Planning
Too often, sophisticated investment strategies are sold in a vacuum—without considering how they fit into a client’s overall financial plan. We do it differently.
We start with planning. Our process includes:
- Strategic Implementation – Once we understand your needs, we identify the most effective investment vehicles to support your strategy while incorporating tax efficiency.
- Holistic Balance Sheet Review – We assess how your existing assets work together, seeking diversification without unnecessary overlap.
- Risk & Return Alignment – We assess your risk tolerance alongside your financial goals, ensuring your portfolio is designed to optimize both.
Tax-Efficient Investing
Minimizing tax drag is an important part of portfolio management. Our tax-aware approach includes:
Tax-Sensitive Investment Selection
Choosing investment vehicles like ETFs over mutual funds to help control when capital gains are realized.
TAX-OPTIMIZED FIXED INCOME
Incorporating municipal bonds when appropriate to take advantage of federal tax-free income, with consideration for state and local tax implications.
TAX LOSS HARVESTING
Proactively managing realized gains and losses to maintain tax efficiency while keeping your portfolio aligned with your plan.
INCOME PLANNING
For clients drawing income from investments, we consider the tax implications of different account types, ensuring withdrawals are structured in a tax-efficient way.
Investment Expertise and Strategic Insights
We don’t make investment decisions in isolation. Our team taps into the insights of leading investment strategists, economists, and third-party research partners to ensure our approach is well-informed and forward-looking. By combining these expert perspectives with our own investment philosophy, we construct portfolios that are designed to adapt to changing market conditions while remaining aligned with your financial plan.
Assessing and Managing Risk
Investing isn’t just about capturing growth—it’s about protecting what you’ve built. We integrate asset protection strategies into portfolio construction to address key risks, including:
- Market Volatility – Balancing risk and return to withstand inevitable market fluctuations.
- Liquidity Needs – Ensuring access to capital when you need it.
- Longevity Risk – Structuring investments to support long-term sustainability.
- Concentration Risk – Avoiding overexposure to a single asset or industry.
Understanding risk tolerance is a key part of this process. That’s why we use Riskalyze, powered by Nitrogen, a tool that helps quantify your personal risk preferences and align your portfolio accordingly.
A Dynamic, Evolving Strategy
Markets change. Your life evolves. That’s why our investment approach isn’t static. We provide ongoing portfolio reviews to ensure your investments remain aligned with your goals. Whether you’re preparing for a business transition, navigating a market shift, or adjusting to a new life stage, we adapt your strategy to meet you where you are.
The Nitrogen Riskalyze service is offered for informational and educational purposes only. No information contained in your Nitrogen Riskalyze report should be considered as investment advice or an investment recommendation offered by Morton Brown. Nitrogen Riskalyze is an unaffiliated third-party service and is not registered with the Securities and Exchange Commission as an investment advisor or a broker-dealer. Neither Nitrogen Riskalyze nor Morton Brown make any representation as to the suitability of the Nitrogen Riskalyze services for any purpose and Morton Brown will not be liable for any consequences or damages that may arise through your use of Nitrogen Riskalyze. Information provided in connection with the use of the Nitrogen Riskalyze service should be construed as a solicitation or offer to sell or recommend securities, financial advice, or insurance products.