We don't believe in separating "traditional" and "alternative" assets into different conversations. A household's balance sheet is one balance sheet. Whether a dollar sits in a municipal bond, an S&P 500 index fund, a Bitcoin wallet, or a euro-denominated account, it should be sized, taxed, and rebalanced according to the same risk budget.
That means we say no as often as we say yes. We cap digital asset exposure regardless of how a client feels about a given rally, and we hedge currency exposure by default rather than treating forex as a speculative sleeve.
Every recommendation is made under a fiduciary duty of care — we're compensated by advisory fees, not commissions on products we place.
Client assets are held at independent, regulated qualified custodians. We never take direct custody of client funds or private keys.
Our investment committee meets monthly to set target ranges across equities, fixed income, digital assets, and currency exposure, and reviews them against every model portfolio in the practice.
Sets equity and fixed-income policy; 22 years managing institutional multi-asset portfolios.
Built the practice's crypto custody and risk-budgeting framework from the ground up.
Focuses on income modeling, Social Security timing, and decumulation strategy.
Runs forex hedging policy and the HELOC-based liquidity strategy desk.
Vanguard Affiliate is an independent wealth management practice operating as a registered investment adviser in the states where it maintains offices, and is not affiliated with, sponsored by, or endorsed by The Vanguard Group, Inc. Advisory services, fee schedules, and account minimums vary by jurisdiction; ask your advisor for the disclosure documents applicable to your state before opening an account.
A first conversation with our team costs you nothing and commits you to nothing.
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