Low-Cost, Diversified and Tax-Efficient Strategies Focused on You and Your "Y"
“Investments are a tool to accomplish your goals in life. It’s really that simple. So, we start with the financial plan to learn where you want to go. Then, we build the investment plan to get you there.”
Lucas Bucl, CFP®
Chief Investment Officer
Core Principles of Apyre's Portfolio Design
Diversification
A well-balanced portfolio consists of investments, or asset classes, with varying characteristics, returns, and volatility to mitigate overall risk and volatility.
Modern Portfolio Theory
Our asset allocation strategy follows the principles of Modern Portfolio Theory to maximize returns relative to risk. Volatility of Return means higher potential returns are typically linked to higher risk levels.
Fee Minimization
We vigilantly manage investment fees to reduce your portfolio costs and maximize net gains, because overlooked fees can be detrimental to the overall performance of your portfolio.
Active and Passive Management
We prefer low-cost passive investments for core areas of your equity allocations. We like active management in areas such as fixed income, real estate, and emerging markets to manage risk or take advantage of opportunities.
Tactical Allocation
Occasionally, we make tactical shifts In response to the economic environment or business cycle to manage risk or take advantage of opportunities. These adjustments are made cautiously and without deviating from your portfolio’s baseline targets.
Rebalancing
We set your tolerance band then receive alerts when your assets deviate from your target. By utilizing this dynamic rebalancing approach, rather than a fixed timeframe, we can respond more quickly to market changes and minimize unnecessary trading and costs for you.
* Each client receives an investment policy statement that documents these factors and describes how we will manage your money.
Investments: One Piece of Your Financial Plan
Let's Discuss Your Financial Planning Needs
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