The Optimized Passive Model Series portfolios are designed to provide our clients with the best take-home returns possible.** Based on the Black Litterman methodology to portfolio construction, this series is perfect for the investor that wants a low-cost, strategic allocation approach to investing. These portfolios can also serve as an optimized core portfolio when used in combination with investments in our other portfolio models.
Individual Investor Alpha, not Market Alpha
Clients invested in our Optimized Passive Model Series are invested in a globally diversified, core index-tracking portfolio. Our investment team does not try to add any form of market alpha by stock picking, sector weighting, or market timing. The allocations in these portfolios are strategic, not tactical.
Instead, using low-cost index-tracking ETFs, we seek to deliver the highest expected risk-adjusted returns by maximally diversifying client portfolios. We aim to provide individual investor alpha--that is, to help our clients beat the average investor on a risk-adjusted, after-tax, and after-fee basis.*
Technology + Optimal Portfolio Balance
Our clients invested in the Optimized Passive Model Series have online access to several powerful financial and retirement planning tools. These tools are integrated directly into our custodial platform, allowing our clients to set specific financial goals and then implement the necessary portfolio changes with a few clicks.
Portfolios in this series are held at Betterment Institutional, one of our custodians and a technology provider to Cona Financial Group. Clients have 24/7 access to their accounts via a web browser or mobile app.
Unlimited Goals for Unlimited Circumstances
This platform allows our clients to manage multiple goals and the same time, allocating funds to individual portfolios with varying strategic allocations.
*No investing strategy can assure or guarantee superior performance nor eliminate the risk of investment losses.
**Take-home returns are defined as returns net of fees, taxes, and risk-borne and behavioral mistakes.