Whether its a 60/40 index fund, the target date fund from your old 401k that you never got around to adjusting, or (god forbid) a high cost cookie-cutter “asset allocation” portfolio from one of the big guys, the problems are the same. High portfolio-costs erode away at your wealth over time, index and target-date funds provide no flexibility and miss out on major tax-saving opportunities, and the cookie-cutter portfolios the big guys put you into invest your money in underperforming, extremely high cost Mutual Funds and proprietary ETF’s (conflict of interest much?) just so they can receive a kick-back of profits from the fund manager, while your retirement experience is the one left to suffer.

From direct indexing combined with daily tax-loss harvesting on the taxable account side, to taking a cost-efficient Factor-based investing approach with your IRAs, 401(k)’s, etc (a Nobel Prize Winning Strategy), we focus on the dimensions of higher returns that have proven to make a meaningful difference in portfolio performance over time. What do both of these approaches have in common? They’re low cost, so you can keep more of your hard earned wealth working for you. And they’re broadly diversified, both among asset class, region, and style, resulting in a lower risk portfolio while still prioritizing strategic growth over time, the needed income to support our adventurous now, and the liquidity necessary if the need arises. At Factor Financial, we’re not in the business of trying to time or “beat” the markets, but rather combine the best thinking across your accounts into a cohesive strategy that can deliver a superior investing experience over time.