For Self-Directed Investors
Build Your Portfolio From the Top Down
A portfolio works best when each investment decision supports a broader financial strategy. Synergos helps self-directed investors organize allocation, asset location, investment selection and implementation into one coordinated framework.
A Five-Step Investment Framework
We move from the highest-level portfolio decisions to account-level implementation, keeping each step connected to your financial plan.
01 · Risk
Establish the Stock-and-Bond Mix
Working alongside your financial plan, we determine the appropriate balance between equities and fixed income based on your goals, investment horizon, financial capacity and tolerance for risk.
02 · Allocation
Define Household Asset-Class Targets
We translate the overall stock-and-bond mix into specific asset-class targets across the household portfolio so each account contributes to one coordinated investment strategy.
03 · Location
Place Investments Tax-Efficiently
We evaluate which investments belong in taxable, tax-deferred and tax-exempt accounts. The objective is to improve tax efficiency without losing sight of the household's overall allocation. Learn more about asset location.
04 · Selection
Apply Investment Due Diligence
Securities are evaluated against the role they are intended to play in the portfolio, including cost, diversification, implementation characteristics and alignment with the established investment framework.
05 · Implementation
Translate the Strategy Into Trades
Once the portfolio framework is approved, we develop account-level trade recommendations designed to move the household toward its target allocation while considering taxes, existing holdings and implementation constraints.
Asset Allocation Comes First
Security selection matters, but the larger question is how much risk the portfolio should take and where that risk should come from.
Manage Risk
Diversification across and within asset classes can help reduce dependence on any single company, sector or market outcome. Learn more about diversification.
Support Long-Term Growth
The portfolio should take enough risk to support long-term goals without relying on more volatility than your financial plan reasonably requires.
Stay Connected to the Plan
Investment decisions are evaluated in the context of your time horizon, liquidity needs, taxes and broader financial objectives.
Built for Investors Who Want to Stay in Control
Synergos provides the framework, analysis and recommendations. You retain control of your accounts and implementation decisions.
Structured, Not Reactive
Portfolio decisions begin with your financial plan and investment policy rather than headlines, predictions or short-term market views.
Tax-Aware
Asset location, taxable gains, account types and implementation choices are considered together rather than treated as separate investment decisions.
Cost-Conscious
We generally favor diversified, low-cost investment vehicles when they provide an efficient way to implement the desired exposure.
You do not need to outsource control to get professional investment advice.
The goal is to give you a disciplined framework for making portfolio decisions while keeping your investments connected to the rest of your financial plan.