Our investment approach
How We Invest for CRNAs
Your portfolio should make sense alongside your income, taxes, and the life you want to fund.
We focus on diversification, costs, taxes, and a level of risk you can live with. You have enough to keep track of during a shift. Your investment plan should help make the rest of life simpler.
Start with what the money is for.
A tax payment due next quarter and retirement 25 years away need different plans. We look at when you need the money, what you can afford to lose, and how you are likely to react when markets fall.
Near-term reserves need liquidity and an appropriate level of principal protection. Longer-term money can take more investment risk when your circumstances support it. A high CRNA income does not automatically mean you should take more risk.
Spread the risk.
A diversified portfolio spreads exposure across investments instead of relying on a few winners. Low-cost funds can do much of that work. The mix of stocks, bonds, and cash needs to fit the purpose of the account and the household as a whole.
Diversification helps manage risk. It does not prevent losses.
Watch what you keep.
Fund expenses, advisory fees, and taxes all affect the result. We consider both what you own and where you own it. A taxable account, traditional retirement account, and Roth account have different jobs and tax treatment.
For On Point+ clients, those decisions sit alongside the broader financial and tax plan.
Keep the portfolio in line.
Markets and contributions change an account’s mix over time. Rebalancing brings risk back toward the intended allocation. Taxes, available cash, and upcoming withdrawals belong in that decision.
That does not require reacting to every headline.
Use extra tools when they fit.
Direct indexing holds individual stocks to pursue index-like exposure. It can provide more flexibility for tax-loss harvesting and customization in a taxable account.
We weigh the potential benefit against fees, tracking error, complexity, and the eventual exit. A simpler fund portfolio may be the better choice.
Plan for the rough markets, too.
Before selling in a downturn, we come back to the plan: has your time horizon changed, do you need cash, and is the portfolio still appropriate? A decline can create a rebalancing or tax-loss-harvesting opportunity. It can also be a reason to reassess risk if your circumstances have changed.
The goal is a decision you understand and can follow through on. No market forecast required.
Tax management needs the whole household.
When we implement direct indexing, we look for loss-harvesting opportunities throughout the year and coordinate tax lots and household accounts to reduce avoidable wash sales. Activity in a spouse’s account or retirement account can matter.
Harvesting often defers tax. It does not make future gains disappear, and the benefit is different for every household. The potential tax savings need to justify the work and cost.
When direct indexing may make sense · How tax-loss harvesting works
Before we talk
See what comes with the relationship.
On Point Portfolios is investment management for people handling their own planning and taxes. On Point+ coordinates investments, planning, and eligible tax preparation. Review the services and fees, then decide which conversation makes sense for you.
Still getting organized? Start with the Free Checkup.
This describes our general approach, not a recommendation for your individual accounts. Investing involves risk, including loss of principal. Diversification, rebalancing, and tax strategies do not guarantee a profit or a particular result. Services depend on the written scope of your relationship.