Wealth Management Services
Wealth Management for Individuals and Families
Boston Portfolio Advisers team has over 55 years of experience helping individuals and families meet their personal, retirement and charitable goals. The investment relationship begins with a thorough understanding of the client’s financial goals, time horizon, income needs and risk tolerance. This fiduciary process culminates in the creation of an Investment Policy Statement. The IPS steers the investment portfolio within a range of asset allocations and risk levels to meet the client’s financial goals.
Once the IPS has identified an appropriate asset allocation, Boston Portfolio Advisers uses institutional mutual funds or ETFs as portfolio building blocks. This strategy provides unusually wide diversification including non-traditional asset classes such as emerging market securities, absolute return strategies and high-yield fixed income. The portfolio is re-balanced periodically to reduce allocations to outperforming asset classes or to add to under performing ones.
Because of Boston Portfolio Advisers investment approach emphasizing asset allocation, Boston Portfolio Advisers typically manages all of a client’s investable wealth so that different time horizons and tax situations can be considered simultaneously. Boston Portfolio Advisers can manage taxable, retirement and trust accounts as well as 529 college savings plans. For trusts established in previous generations, Boston Portfolio Advisers provides an alternative to traditional bank trust departments who often take a one-size-fits-all approach to investing.
Retirement Plans
Boston Portfolio Advisers can provide objective advice to retirement plan sponsors who seek professional investment expertise. As a fee-only independent adviser, Boston Portfolio Advisers does not receive any compensation from asset management firms. This independence removes the inherent conflicts of interest when the investment provider also offers advice.
By serving as a plan’s co-fiduciary, Boston Portfolio Advisers helps fulfill the sponsor’s responsibilities to: seek objective and prudent investment expertise, act exclusively in the interest of plan participants, monitor investment options and offer participant education. Boston Portfolio Advisers fiduciary approach allows management to focus on its business while fulfilling its fiduciary responsibilities under ERISA.
Boston Portfolio Advisers established investment research capability allows it to offer mutual fund options from multiple fund families to employees in participant-directed retirement plans such as 401(k), 403(b) and deferred compensation plans. Plan design emphasizes low expenses and wide diversification. Fund selection emphasizes risk-adjusted performance within their peer group, management tenure and fund family stewardship. As a result, participants often use the same investment managers Boston Portfolio Advisers uses with its high net worth clientele.
