A financial portfolio
built around your life
Your wealth manager, your CPA, and your estate attorney are each doing their part. The question is are all three coordinated around a single strategy.
Managing a portfolio and building an architecture are different disciplines. We practice the latter.
A Complete Financial Plan Has Three Objectives
Protect Your Lifestyle
A dedicated allocation sized to what you actually spend, through age 95. Built to achieve your lifestyle goals, not a model based on your risk tolerance alone.
Grow Your Risk Capacity
Capital above your lifestyle needs compounds for long-term growth and legacy. Measured against what you can afford to risk, not simply how you feel about risk.
Preserve What You’ve Built
Asset location, tax-loss harvesting, beneficiary and gifting coordinated into one household strategy. Coordinated with your tax and estate advisors.
Designed Around What You Have Built
Three disciplines. One architecture.
Professionals
Protect lifestyle. Manage complexity.
When it gets complex: deferred compensation, concentrated stock, tax-aware income overlays.
Business Owners
Diversify before exit. Deploy after.
When it gets complex: pre-exit planning, coordinated with your tax advisor.
Generational Wealth
Preserve legacy. Minimize tax drag.
When it gets complex: gifting coordination, DAF and 529 strategy, multi-generational tax planning.
Your Lifestyle Number Is Where Every Plan Begins
Inputs
Timeline
Current, slow-down & retirement age
Income
Today's income, expected growth
Spending
Today's lifestyle, expected inflation
Tax & Horizon
Effective tax rate, liquidity events, age 95
Calculations
Your lifestyle number is the capital required today, invested and compounding, to fund every dollar you intend to spend, through age 95, net of taxes and inflation.
Outputs
Lifestyle Protection
Liquid bonds, hedged equity, and absolute return strategies sized to your lifestyle spending through age 95.
Risk Capacity
Global equity, alternative income, and enhanced growth strategies compounding capital above your lifestyle needs for long-term growth and legacy.
The same framework endowments use to manage long-term obligations. Built for your family.
Lakewood's Edge
Option strategies designed and executed in-house by our portfolio management team. No outsourcing. No third-party products. No additional cost layer. Institutional-grade execution built directly into every client portfolio.
Insights on Markets, Alternative Investments, and Tax Strategies
We share our perspective on capital markets, portfolio positioning, alternative strategies, and the tax-aware decisions shaping client outcomes. Transparent communication behind how we’re managing portfolios and solving complex problems for our clients.