Customization

When you first engage the services of Ensemble Capital, you will meet with a principal of the firm for an in depth planning session. We address such issues as risk tolerance, tax implications, investment time horizons, current income needs, and philanthropic goals. Before we invest your hard-earned assets, we want to have absolute clarity about your needs and objectives.

Once we have established the basic foundation of the portfolio in terms of your overall objectives, we begin a process of customization that will factor in all aspects of your financial and personal life. We want to be sure that every investment we make on your behalf complements and enhances your financial situation.

Customizing your Ensemble portfolio will help it act as a counterbalance to substantial positions in low cost basis stock, private equity, or other assets that may affect your financial outlook. We design customized stock and bond portfolios to help increase your capital and/or provide income within pre-established risk tolerance levels.

Every portfolio managed by Ensemble is unique. Unlike many firms, which invest their clients’ assets in “model portfolios”, we build each portfolio from the ground up to ensure that your assets are invested in our best ideas and not a simple cookie cutter allocation. If we take on the management of an existing portfolio, we carefully examine each of your present positions, weighing tax considerations carefully before deciding what to sell and reinvest.

In addition to customizing your portfolio to fit your unique needs, we will also customize it to take advantage of the account type it represents. Taxable accounts, nontaxable accounts, private foundations, and charitable trusts all face unique rules and requirements. We will manage your portfolio in such a way to further the achievement of your goals while taking into account the characteristics of the type of account the assets reside in.