$400,000 is the firm minimum asset management size, per household (comprised of one or more accounts) to begin investment management services.
Once you have decided to hire Gabriel Capital, LLC, we will assist in cutting through the time & red tape to quickly and efficiently navigate the account transfer or portfolio management process using the firms listed below.
If you have existing accounts with these companies, access can be granted allowing Gabriel Capital to begin managing these assets.
Work Plan Accounts
Gabriel Capital can manage your work plan retirement accounts: 401(k), 403(b) etc. This is accomplished using a firm called Pontera. Pontera essential acts as an interface between the firm and the location of your work plan accounts. Gabriel Capital does not ever have access to your log in credentials in providing this service. Note: service through the Pontera platform is not available to clients who reside in the state of Washington.
Work plan advice may also be provided through a financial planning process. In this arrangement, a review and recommendation is provided on asset allocation and assessments of investment plan choices. You will be responsible for implementing any recommendations made by Gabriel Capital. This review is most commonly performed quarterly, but may be scheduled for any interval which suits your needs. Services may be billed at a flat rate, the prevailing hourly rate, or a combination of the two.
Through a series of meetings and phone calls, we will review goals, comfort level and investment experience. What you are trying to accomplish, the time frame you have and the resources you are able to put to work will all help create a plan of action for how assets will be managed. While all portfolios share a common foundation and process of analyzing potential risk and return, the method of managing these factors to reach your goal will be unique to you. No two portfolios are exactly alike because you are different from everyone else. This might sound like a cliché. It isn’t. It is common for two people from the same household to have different portfolio goals and separate methods for constructing and managing portfolio holdings. All strategies strive to reduce the level of risk for any given return goal.
After a portfolio goal has been selected, a portfolio strategy can be developed to fit the goal.
Analysis and investment decisions are implemented to be as close to a reasonable return target as possible. This type of portfolio is typically employed for investors who need a more consistent approach. Portfolio decisions are strategic. Allocations between stock, fixed income and cash are made with the long-term target return goal in mind. The portfolio is not at all concerned with matching any type of stock index performance.
An allocation of dollars exposed to stocks, bonds and money market will be agreed upon. The advisor will then make decisions within the allocation segment to produce the best expected return. An example of this might be to reduce exposure to long-term bonds (within the fixed income segment) when there is an expectation of substantially higher interest rates in the future. When analysis suggests long-term rates should level off or decline, dollars invested in longer-term bonds will be increased. If it appears that technology stocks have become very expensive in relation to other areas of stock, technology stock exposure will be reduced. Proceeds of sale will then be allocated to parts of the stock market with superior expected risk/reward characteristics.
This type of management style is more commonly used in retirement accounts or taxable account which do not require tax efficiency. Asset allocation is fluid. The Advisor will make a decision on allocation based on current expectations of risk and return over the next 6-36 months. Position risk is held in check by holding initial stock positions to no more than 6% of a portfolio. The Advisor will underweight portions of the market which appear over-priced on a historical basis. Likewise, additional investment will be made during times of over-done investor selling and panic. This over-weighting of investing during times of extremely negative investor sentiment may be made at the general stock market level or by economic sector.
Very common in non-retirement accounts. Investors in high federal tax brackets can benefit from portfolio management which takes tax consequences into account. This type of portfolio may employ strategies of either Targeted Returns, Allocation Driven or be more Tactical in nature, but managed with an eye towards minimizing income and realized short-term capital gains. The Advisor will try to limit income received which is subject to the full federal and state income tax rates. Mutual funds will likely be avoided to eliminate “phantom capital gains”. Tax swaps can be used when it is believed that no impact to expected return will occur.
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