Investment Management

At Wealth Habits, we understand that your financial goals are personal and unique.

Whether you're saving for retirement, building wealth for future generations, or simply seeking financial independence, the right investment strategy is essential.

Our approach is centered around long-term growth, stability, and simplicity.

Your Path to Long-Term Investment Success

We take a disciplined and tailored approach to investing, which starts with understanding your goals and risk tolerance. From there, we create a diversified portfolio that is carefully monitored and managed on an ongoing basis. Our ultimate goal is to help you achieve your financial objectives.

Investment Philosophy

  • Lower Fees: Our strategies incur fewer costs due to less frequent trading and lower management fees.

  • Diversification: Your portfolio needs to be diversified across various sectors and asset classes, reducing any individual risk.

  • Long-Term Focus: Our approach emphasizes staying invested through market cycles for steady growth.

  • Tax Efficiency: Lower turnover means fewer taxable events, keeping more of your earnings in your portfolio.

  • Personalized Risk: Risk levels are tailored to fit each client's unique goals and comfort.

How Does The Investment Process Work?

Who Is This For?

  1. Initial Assessment: We’ll assess your financial goals, risk tolerance, and timeline to create a personalized investment strategy.

  2. Portfolio Construction: Your portfolio will be built using low-cost, diversified index funds and ETFs designed to match your risk profile.

  3. Ongoing Monitoring: We continuously monitor and rebalance your portfolio to ensure it stays aligned with your goals and market conditions.

  4. Transparency & Communication: Regular updates and transparent reporting keep you informed every step of the way.

  1. Long-Term Investors: Individuals looking to grow their wealth over time without taking on unnecessary risk.

  2. Value-Conscious Investors: People who want to minimize fees while still having a professionally managed portfolio.

  3. Busy Professionals: Those who want a set-it-and-forget-it investment solution that works in the background while they focus on their careers and lives.

Here’s Does Our Fee Structure Work?

At Wealth Habits, we charge a flat 0.75% fee on assets under management (AUM), designed to keep costs simple and predictable while providing comprehensive investment management services. We believe in keeping fees simple and transparent. Our passive investment strategy focuses on minimizing costs so that more of your money stays invested, working toward your financial goals.

Investments

0.75%

Assets Under Management (AUM)

Support throughout the entire year

Portfolio Design

Asset Allocation

Investment Selection

Risk Management

Tax Efficiency Strategies

Performance Reporting

Cash & Liquidity Management

Flat Management Fee

A straightforward, percentage-based fee on assets under management (AUM). This fee covers the creation, management, and rebalancing of your portfolio

Lower Investment Costs

Since we use low-cost index funds and ETFs in our passive strategy, you also benefit from reduced expense ratios, which helps enhance long-term returns.

Frequently Asked Questions

  • My investment philosophy is centered around long-term, passive investment strategies designed to align with your financial goals. I believe in a diversified approach, minimizing costs, and using evidence-based strategies that focus on building wealth over time, rather than short-term speculation.

  • Wealth Habits charges a flat 0.75% fee on assets under management (AUM). This fee covers all aspects of managing your portfolio, including research, monitoring, and regular rebalancing. There are no hidden fees, though depending on the broker, there may be transaction costs that apply.

  • Risk is managed by carefully constructing a diversified portfolio that aligns with your risk tolerance, financial goals, and time horizon. I use asset allocation strategies to spread risk across different asset classes like stocks and bonds. Additionally, I regularly review and rebalance your portfolio to ensure it remains aligned with your objectives.

  • We manage a variety of account types, including individual taxable accounts, joint accounts, retirement accounts (such as IRAs and Roth IRAs), and trust accounts. Whether you're saving for retirement, education, or general financial growth, I can help you find the right investment structure.

  • We rebalance portfolios each November to optimize tax-loss harvesting. Additionally, if any asset class or security drifts more than 20-25% from its target allocation, we rebalance to ensure alignment with your strategy.

  • We follow a structured process, reviewing your investment strategy annually and during major life changes. This includes evaluating market conditions, personal goals, and asset performance to keep your portfolio aligned with your objectives.