Investing Services
Investment
Planning
We don't just buy securities. Our investment process begins with deep planning — understanding your goals, your risk profile, and the full landscape of tools available to build a portfolio that works for your life.
Starts Here.
We don't just buy securities. There is a comprehensive planning and analytical process that begins with our introductory meeting — one designed to ensure every investment decision is rooted in clarity, strategy, and a deep understanding of your individual situation.
From understanding the full spectrum of investment vehicles to building a portfolio around your specific goals, our process is thorough, transparent, and entirely client-first. Be educated, not sold.
Our investment planning process is one of the most thorough in the industry. Before a single investment is made, we walk every client through each of the following disciplines — so you understand not just what we're doing, but exactly why.
- Stocks, Bonds, ETFs, Mutual Funds
- Real Estate, Hedge Funds
- Private Credit & Private Equity
- Futures & Annuities
- Systematic & Unsystematic Risk
- Liquidity & Marketability
- Beta & Standard Deviation
- Quantitative investment concepts
- Simple vs. Compound Interest
- IRR — Internal Rate of Return
- Current Yield, Yield to Maturity, Yield to Call
- Taxable Equivalent Yield
- Bond Duration & Convexity
- Capitalized Earnings
- Dividend Growth Models
- Ratio Analysis & Book Value
- Behavioral Finance
- Modern Portfolio Theory
- The Case for Dividend Growth
- Fundamental & Technical Analysis
- Monte Carlo Simulations
- Tax Efficiency & Performance Measures
- Buy & Hold, Passive Investing
- Market Timing & Portfolio Immunization
- Margin & Short Selling
- Characteristics and uses of each vehicle
- Tax treatment across account types
- Tax-loss harvesting & efficiency strategies
& Asset Allocation
At the end of the initial investment planning process, we arrive at the portfolio strategy. Operating off the notion that no two clients' situations are identical — thus, we should not treat their portfolios as such.
We are active investment managers at our core and use an in-house portfolio philosophy titled "Project X-Ray," centered around dividend equities as the core holding. For some clients, the percentage may be higher; for others, it may be less.
We believe that dividend growth equities provide a solid foundation for long-term capital appreciation and lower volatility with a consistent and growing income stream.
While we create the strategy and portfolio in-house, we can potentially utilize specialty investment managers for their vast expertise in a specific field. Being an independent investment professional allows us to craft fully customized portfolios for each client's individual needs.
Indexing
Direct Indexing is an advanced investment strategy that allows eligible clients to own the individual securities that make up an index — rather than holding a fund — giving you direct ownership and far greater control.
Unlike ETFs or mutual funds, direct indexing enables personalized tax-loss harvesting at the individual security level, the ability to exclude specific stocks or sectors, and deeper alignment with your personal values and financial situation.
This strategy is particularly powerful for high-net-worth investors looking to maximize after-tax returns, manage concentrated positions, or implement value-aligned investing without sacrificing index-level diversification.
Harvest losses on individual securities throughout the year — not just at the fund level — to meaningfully offset gains and reduce your tax drag.
Customize your portfolio by excluding specific companies or entire sectors while emphasizing investments that reflect your priorities—such as dividend growth, value-based investing, personally aligned criteria, or industries that support your long-term goals and beliefs..
You own each security directly in your account — with full visibility into every holding, cost basis, and tax lot. No fund structure, no hidden layers.
Use direct indexing to intelligently diversify out of a concentrated stock position over time while managing the tax impact strategically.
Portfolio
Asset Allocation is an essential concept in creating an "all-weather" portfolio that can withstand different stages of the market cycle.
Instead of focusing on specific growth or value style equities, or Large-cap/Small-cap market capitalization boxes, we look at every position with the client's objectives in mind and their particular function in the overall portfolio.
Being an independent investment professional allows us to craft fully customized portfolios — unconstrained by proprietary products or house views.
Ready to Build Your
Portfolio?
Let's start with a conversation. Schedule a complimentary consultation with the Boyer Financial Services team and put your investment plan in motion.
Ready to Connect?
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INVESTMENTS
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