life isn't a template
Custom Portfolio Strategies
It can be difficult to sift through all of the information out there regarding investments. Should you focus on growth? Do you need to generate a certain level of income? Will crypto-currencies, municipal bond funds, or precious metals help round out your portfolio?
We know that everyone has a unique situation that requires a unique portfolio. When working with you to construct your financial plan we will determine the best way to invest your money for the long-term.
All of our stock buy lists are created in house. All of our models are created by our own team that fit our long-term outlook. We work with other professional money managers when we think their expertise fits the client's needs more directly.
Ready to align your portfolio?
Individualized Portfolios
For clients with substantial assets, we can build custom portfolios of individual stocks and bonds. Direct ownership allows precise tax management, thoughtful sector tilts, and the ability to honor preferences without losing diversification. We can structure bond ladders for predictable income, harvest losses to offset gains, and donate appreciated shares when charitable giving is part of your plan. You will always see what you own and why you own it.
Strategic Models
Our diversified model portfolios combine equities, fixed income, and select asset classes to match your risk and time horizon. These diversified strategies are researched, monitored, and rebalanced to keep allocations on target, helping you avoid performance chasing. Whether your risk tolerance is more for a conservative mix or a growth focus, the structure stays disciplined while costs stay sensible. As assets grow, we can blend models with individual holdings to add more precision.
Disciplined Management
We invest with a multi year outlook, focusing on quality, valuation awareness, and position sizing that respects risk. Rebalancing enforces buy low and sell high behavior, while cash management supports withdrawals without forcing sales at the wrong time. We do not chase fads. We communicate what changed, what stayed the same, and what to do next so you can stay invested with confidence.
portfolios for real people
Your Life is Unique. Your Portfolio Should be too.
Glide Paths
Shifting investments towards a life goal isn't simply flipping a switch. Your plan shows your allocation changing over time, just like reality.
Plan
Focused
Every investment decision starts with your written plan. We map actions to goals so progress is easy to see and track.
Every added cost to an investment reduces returns for you. We focus on long-term returns and reasonable expense ratios for your well-being.
Cost Effective
What account size is typical for customized portfolios?
In order to properly diversify a portfolio of individual equities and bonds we recommend an account size of $1,000,000 or greater. Exceptions apply, and we take a case-by-case approach.
How do you decide what goes into my portfolio?
We assess risk tolerance, return needs, and time horizon, then build an allocation. Our research process selects individual securities or funds that fit the mandate, and we review positions on a set schedule.
What happens when markets fall?
Markets move. We manage risk through diversification, sizing, and rebalancing. We will reach out with clear next steps and align any changes with your plan rather than headlines.
What is your general time horizon for investments?
There is no clear-cut answer, but we look at a minimum of 3 years for performance data when making our decisions. Financial plan goals, risk tolerance, liquidity needs, etc., will play into our outlook.
Need Additional Help?
Have questions about tying investments to your plan? Talk with Sculati Wealth Management for clear next steps and a strategy you can follow.