Investment Management Services
A well-constructed portfolio isn’t just about what you own. It’s about whether you’ll stay invested in it when things get difficult.
That’s what investment management at Wild Iris Financial is built around.
More Than Portfolio Construction
Most investors know what they should do. Buy and hold. Stay diversified. Don’t panic sell. The problem isn’t knowledge — it’s execution under pressure.
Markets drop. Headlines get loud. Uncertainty feels unbearable. And at exactly the moments when staying the course matters most, reactive behavior does the most damage. Research consistently shows that the average investor significantly underperforms the funds they’re invested in — not because of bad investment choices, but because of decisions made at emotional inflection points.
Investment management at Wild Iris Financial addresses both sides of that equation. We build portfolios that are strategically sound and behaviorally appropriate — designed not just for optimal returns on paper, but for the real human being who has to live with them through market cycles.
How we manage investments
We manage client investment accounts on a discretionary basis. That means we handle the day-to-day investment decisions — rebalancing, tax-loss harvesting, tactical adjustments — without requiring your approval for each transaction. Every action is taken within the parameters of your Investment Policy Statement, which documents your goals, time horizon, risk tolerance, and any specific investment preferences or restrictions.
You’re always informed. You’re never out of the loop. You just don’t have to make every decision yourself.
What’s included
Investment policy statement
Every client relationship begins with a documented Investment Policy Statement — a written record of your investment goals, time horizon, risk tolerance, and any restrictions or preferences. It’s the governing document for every decision we make in your portfolio.
Tax-Efficient investing
Tax efficiency is built into portfolio management from the start. Asset location strategy — placing the right investments in the right account types — and tax-loss harvesting where applicable are standard parts of how we manage portfolios. Investment decisions don’t happen in isolation from your tax situation.
Asset Allocation & Portfolio construction
We build diversified portfolios using a range of asset classes — equities, fixed income, ETFs, mutual funds, real estate investment trusts, and inflation-protected securities where appropriate. Asset allocation is driven by your specific situation, not a model portfolio applied uniformly across clients.
Ongoing monitoring & Rebalancing
Markets move. Your portfolio drifts from its target allocation over time. We monitor your accounts on an ongoing basis and rebalance as needed to keep your portfolio aligned with your strategy — not just once a year, but as conditions warrant.
Behavioral coaching
This is where we earn our fee. During periods of market volatility, major life events, or high-stakes decisions, we communicate proactively and clearly. We help you stay grounded in your plan when the noise makes that feel difficult. The decision not to make a reactive move at the wrong moment is often the most valuable investment decision of the year.
Built on a financial plan
Investment management is most effective when it’s built on a financial plan. Without the context of your goals, cash flow, tax situation, and time horizon, portfolio management is just asset shuffling.
For most clients, we begin with comprehensive financial planning before or alongside investment management. This ensures every investment decision is made in the context of your complete financial picture — not in isolation from it.
Values-Based Investing
If your values matter to how you invest, we work with that. Clients may impose restrictions on their portfolios based on personal beliefs — environmental, social, or otherwise. We’ll build a strategy that aligns with both your financial goals and your values, and we’ll be honest with you about any trade-offs involved.
Fees
Investment management fees are based on assets under management and are assessed quarterly. Full details on our fee schedule, minimums, and billing structure are on our Fees page.
