Investment Management

Wealth management redefined

We are a registered investment advisor.

Whether you are building wealth for you or the next generation or utilizing your wealth to live your best life, our knowledge and experience are the foundation for our holistic approach to managing your assets. As an independent advisor, we offer you our best ideas, grounded in the comfort that we are transparent in how we earn our fees. In an industry where investments are increasingly commoditized, we partner with industry-recognized companies for the benefits of low cost market solutions when applicable and boutique alpha-focused managers when warranted. Our investment management services are tailored for every client.

Ask the right questions:

We believe that clients expect more from their advisor. Whether you may be considering a new advisor to manage your wealth or hiring one for the first time, we would like to speak with you.

Contact us for an introductory meeting to discuss your investment needs.

Our Investment Philosophy

We strive to create opportunities for long-term compounding of invested capital for clients, regardless of level of wealth.

We define risk as an extended or permanent loss of invested capital, not based on day-to-day market volatility.

We emphasize long-term strategic asset allocation, but also recognize the importance of near-term tactical and thematic opportunities.

We diversify for the sake of long-term growth potential, not just to minimize risk.

When appropriate for clients, we believe that non-traditional investments are powerful vehicles for compounding capital.

When evaluating asset classes and specific investment opportunities, we follow the fundamentals, not fads or news headlines.

Diversification and asset allocation do not ensure a profit or guarantee against loss.

Our Approach to Investment Allocation and Management

Open Architecture Platform

We leverage our experience, sophistication and industry contacts to source public/private investments that align with our philosophy and clients’ goals. Whether selecting institutional or boutique managers, our only incentive is your best interest and investment outcome.

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Asset Allocation and Cash
Flow Planning

We take the time to get to know you, define your financial goals and assess your risk tolerance. 

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Portfolio Performance

We strongly believe that you should understand and be able to quickly assess whether your portfolio is doing what it is designed to do.

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Comprehensive Reporting

We use various reporting platforms, including Black Diamond Wealth Platform, to provide our clients with clear and easy-to-understand performance reports. 

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Safety and Security of Your Assets

While we act as an advisor for your assets, we are not your custodian, nor do we take custody of your assets in any manner. Your assets will always be held at a custodian that is independent from Graypoint.

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Fees

We feel strongly that the only person who should pay us is you, our client.

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Open Architecture Platform

Graypoint is an independent advisory firm, so the investment choices available to our clients are not limited to a parent company’s platform.

We leverage our experience, sophistication and industry contacts to source public/private investments that align with our philosophy and clients’ goals. Whether selecting institutional or boutique managers, our only incentive is your best interest and investment outcome.

We use:

Our Registered Investment Advisor status means we can—and do—seek information and viewpoints from numerous sources and turn that data into actionable thoughts within your investment portfolio.

Asset Allocation and Cash Flow Planning

We take the time to get to know you. First, we define your goals. Then, we assess your risk tolerance. Most importantly, we help you understand how to balance your goals and risk tolerance to develop a portfolio allocation optimized for your unique views. Your asset allocation will be built to suit your lifestyle and legacy goals.

Every investment held in your portfolio is made with purpose:

By design, we limit the number of clients that each advisor works with to ensure the highest level of service and customization.

At a certain level of wealth, investments become commoditized – knowledge never is. For Graypoint, it is always about using that knowledge to create a unique portfolio for you, custom built to meet your needs.

Portfolio Performance

We strongly believe that you should understand and be able to quickly assess whether your portfolio is doing what it is designed to do. We clearly illustrate your performance and returns against market returns at both the strategy and portfolio level.

In constructing your portfolio, we always consider the following elements based on our general core beliefs:

Our advisors work with you to look at the performance of your portfolio on an after-tax, after-fee basis. Where it makes sense, we use lower cost and/or lower turnover vehicles to help your wealth grow faster.

Comprehensive Reporting

We use various reporting platforms, including Black Diamond Wealth Platform, to provide our clients with clear and easy-to-understand performance reports. 

For the convenience of high net worth families who have multiple custodians and private investments, our software can consolidate all your investment accounts into one performance report.

Safety and Security of Your Assets

While we act as an advisor for your assets, we are not your custodian, nor do we take custody of your assets in any manner. Your assets will always be held at a custodian that is independent from Graypoint.

Why is that important?

The custodian is responsible for the safe keeping of your assets, as well as providing administrative functions like statements, cost basis, wire transfers and the technology to perform these tasks.

At Graypoint, we can work with your custodian or you can work with ours. As a Registered Investment Advisor, we primarily use independent custodians. In doing so we have a vast universe of available investment managers to choose from. We recognize there may be reasons you may want to keep your current custodian. 

We believe the separation of the advisor and the custodian minimizes inherent potential conflicts of interest that may arise from captive investment platforms.

Our third-party custodians:

  • Fidelity
  • Charles Schwab

We currently work with client assets custodied at:

  • Goldman Sachs
  • JP Morgan
  • Morgan Stanley
  • UBS
  • Wells Fargo
  • First Republic
  • Citi
  • Merrill Lynch
  • E*Trade

Fees

We feel strongly that the only person who should pay us is you, our client. It ensures that our interests and yours are always aligned and fully disclosed. We do not sell investment products or receive any commissions for the investment advice we give or investments we recommend.

Our fees are:

We pride ourselves on our comprehensive counsel. Our clients notice the difference.

The Graypoint Difference

Graypoint
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