Services

Investment plans are the blueprint for successful investing. We help you develop an investment plan tailored to your unique goals and risk profile.

 

Portfolio Design

We carefully asses your risk tolerance, goals, and time horizon to design a tailored strategic asset allocation plan that meets your needs.

Investor Profile Questionnaire

Our 25-question Investor Profile Questionnaire helps us gain an in-depth understanding of your financial situation, investing priorities and preferences.

Asset Allocation Proposal

We diligently analyze your financial situation to design a tailored strategic asset allocation plan that meets your needs. We recommend 3 portfolio proposals that fit your investor profile with varying levels of risk.


Investment Policy Statement

The investment plan we build determines the target asset allocation and risk profile of your investment portfolio. We summarize the following key information in your investment plan:

  • Time Horizon
  • Investment Objectives & Goals
  • Asset Allocation Targets
  • Criteria for Investment Selection
  • Risk Profile: Net Worth Statement, Sources of Income.

    • Portfolio Implementation

    Once you are comfortable that our suggested asset allocation plan meets your risk profile, we take over to execute, monitor and maintain the plan on your behalf.

    Investment Selection

    For each asset class in your investment plan, we will select the best fund available based on cost, diversification, methodology, and fidelity to the asset class. We believe that low-cost ETFs make great choices because they offer broad diversification and closely track asset class returns of an index. The investments we use to build your portfolio are created using indexed ETFs from the world’s leading asset managers: Vanguard, iShares, Schwab.

     

    Investment Selection Criteria (ETFs)

    • TER (expense ratio)
    • Index methodology
    • Historical performance
    • Liquidity: high trading volume and AUM. Narrow bid-ask spreads.
    • ETF Issuer
    • Asset location: UCITS or U.S. domiciled ETFs

    Your Brokerage Account

    We don’t custody assets. Each prospective client must apply for and open a U.S.-based brokerage account in which to implement their selected asset allocation. Your investment portfolio and corresponding investments (ETFs) will be managed in a brokerage account under your legal name.

    As an independent advisor, Patrimonio will only have trading permissions over your brokerage account.

    Portfolio Ongoing Management

    We provide ongoing investment portfolio management, monitoring, and rebalancing to keep the portfolio you choose aligned with your risk tolerance and financial goals.

    Quarterly Performance Reports

    We regularly review your progress to ensure you are on the right path to meeting your objectives. A report summarizing your portfolio’s performance and other related operations such as rebalancing, deposits, and withdrawals is sent quarterly on the following dates:

  • Q1 April 1
  • Q2 July 1
  • Q3 October 1
  • Q4 January 1

    • Annual Investment Plan Review

    Life is unpredictable. Unlike traditional investment management firms who create a one and done investment plan, our advisors believe that investment success is predicated on tracking the plan’s performance as your life unfolds. We help you stay on track and make changes as your financial needs evolve.

    Your advisor will hold an annual meeting with you to report on account performance and evaluate your progress towards meeting your goals.