Built upon our deep investment experience, Ensemble Capital Management also offers a comprehensive and superior range of wealth management services and solutions to our clients to meet their unique financial needs.
Our team of dedicated specialists advances your objectives with a primary focus on efficiency. Our financial recommendations always integrate with your desired lifestyle to solve your financial goals. Our excellent client service, independent advice and experience make our recommendations simple and effective to implement.
The financial advisor landscape includes stock brokers, registered investment advisors, wealth managers, financial planners and many other financial professionals, all of whom play different roles and have different responsibilities to their clients.
Although many advisors use different terminology, in general advisors come in some version of the following:
Ensemble Capital is a fiduciary investment manager. We are paid to deliver objective advice.
Unless special circumstances exist, we do not outsource investment management services and the only fee you pay is ours. You do not typically pay a second layer of fees to mutual funds or other investment vehicles as do the clients of asset allocation-focused advisors.
Whether you are working and building your portfolio, in retirement or overseeing a complex multigenerational asset base, Ensemble Capital can provide the advice you need. As registered investment advisors our work with clients goes far beyond picking stocks and bonds. When you hire Ensemble Capital, one of our portfolio managers will become your personal financial advisor assisting you in making complex financial decisions.
If you are working and building your wealth, we’ll help you consider how much you will need to support your lifestyle after you retire and the tools available to help you get there.
If you are retired, we’ll work with you to understand how much spending your portfolio can support over the long term and advise you on the investment approach that is most likely to meet your goals.
Ensemble Capital is proud of the fact that many of our clients have two or three generations of family wealth under our management. If you are looking to put money into trust for your children or grandchildren or help fund their education, transfer assets to the next generation or otherwise coordinate multigenerational wealth management, we’ll work closely with you to make sure that this complex planning process is managed seamlessly.
After discussing your goals for your various portfolios, we’ll recommend an asset allocation that will best support your plans. Importantly, we’ll discuss the implications of various asset allocations so that you fully understand the basis for our recommendations.
If you have stock options or restricted stock, we will advise you on the best way to diversify your holdings or build a broader portfolio around these core concentrated positions.
Our clients rely on us for a variety of financial advice. When we do not have expertise in the specific topic, we make it our job to locate the right person to help.
Our 6-step wealth management process is based on the Financial Planning Practice Standards of the CFP® Board. Whether you are focused on a single issue or a more comprehensive and complex plan, we will help you achieve your financial goals:
This first step helps you understand the planning process and determine whether the focus will be
on one particular planning interest or creating a comprehensive plan.
We will monitor your progress towards your
goals and help you take into account life events
that may change your initial situation or goals.
We discuss your goals and gather
the data we needed to create your plan. We
ask about your financial situation and any
other relevant information.
Once you decide which recommendations
you wish to implement, we can help guide
you through the implementation process and
coordinate with other professionals, such as
attorneys, accountants, or insurance agents.
We will perform a comprehensive
analysis to assess your current situation
and determine what you must do to
meet your goals.
Based on the analysis of your financial status, we
will develop and present concrete recommendations that
address your goals. We will walk you through our recommendations
and the implications of each particular alternative so you can make
an informed decision about your action plan.
Once you decide which recommendations
you wish to implement, we can help guide
you through the implementation process and
coordinate with other professionals, such as
attorneys, accountants, or insurance agents.
We will monitor your progress towards your
goals and help you take into account life events
that may change your initial situation or goals.
Unlike many advisors who place clients in a “model portfolio” that reflect their generic investment needs – aggressive, conservative, income, etc – we custom build each portfolio from the bottom up to fit each client.
When building your portfolios we take into account both quantitative and qualitative aspects of your personal situation.
Most importantly, every trade we place on your behalf will be made with your particular situation in mind. Rather than trying to make you conform to a cookie-cutter investment model, we spend the time and energy needed to customize a portfolio built just for you.
Before liquidating your existing portfolio, we examine your tax situation and the implications of any unrealized gains or losses you might have. If warranted, we will continue to hold certain legacy positions in order to defer gains or losses until a more opportune time.
In addition to tax related motivations for holding legacy positions, occasionally a client will have a holding of special importance. In these cases, we are happy to hold the position on a permanent basis while keeping the client updated on the investment characteristics of the holding.
Being located mid-way between San Francisco and Silicon Valley, it is not unusual for our clients to work for companies whose prospects are driven by many of the same inputs that drive financial markets. If desired, we can customize your portfolio to help diversify some of the risk embedded in the nature of your work.
In general, we attempt to maximize the total return, both income and capital appreciation, of our clients’ portfolios. However, if you require a certain level of current income, we will customize both your equity and fixed income holdings to meet this need.
Close contact with our clients is how
Ensemble Capital provides
superior financial advice.
Ensemble employs every technology that assists our investment process and strengthens our relationship with you.
Whether you are partial to online meetings, in-person consultations, or paper communications, our approach to technology is based on your preferences.
Our watchwords are “simplify” and “enhance,” and we employ any or all of the following tools to achieve those for you:
Our fee encompasses investment management and advisory services. We don’t outsource your investment management.
We don’t bill for additional advice or services within the standard scope of wealth management.
We do well when you do well; our only incentive is to maximize your account value while limiting risk.
Scan this QR Code to download our Ensemble Capital App:
555 Mission St, Suite 3325
San Francisco, CA 94105
Phone: 650-696-1240
Toll Free: 800-708-8445
info@ensemblecapital.com
