As a client of Meritas, our team works with you at the outset of our relationship to fully understand your objectives and concerns, so that we can recommend a personalized portfolio that best fits your goals and needs.  We update your investment plan and your target portfolio as needed in order to adjust to changes in your personal situation over time.  In addition, we suggest improvements to your portfolio both to adapt to evolving market conditions and to take advantage of better investment opportunities as they emerge.

Depending on your objectives, your portfolio will be optimized along a spectrum ranging from capital preservation to growth-oriented strategies.  Additional qualitative and quantitative inputs that we factor into your customized plan include your trust and estate requirements, time horizon, liquidity requirements, personal preferences, tax situation, and tolerance for risk.

Your personalized portfolio may include both active and passive investments, across a wide range of asset classes and strategies, in order to optimize opportunity while moderating volatility. Your investments are continuously monitored and assessed and replaced as necessary.

We use active management for three main purposes, reduced volatility, access to rare talent, and access to additional sources of investment returns.  We will often suggest index funds and exchange-traded funds for a portion of your portfolio to achieve low-cost exposure to global and domestic markets.

Your service offering is also customized in accordance with your needs and preferences.  You may select from a wide range of financial consulting services that are included with your investment advisory services.