Investment Management
Your investments should support your retirement plan.
An investment portfolio should do more than chase returns.
As retirement gets closer, your investments need to support spending, taxes, risk management, and the flexibility your plan requires.
AlignPoint manages investments as part of the retirement plan, not as a separate service.
Investment decisions should reflect the plan.
We help answer questions such as:
- How much risk should you be taking?
- How should your portfolio change as retirement gets closer?
- How much should you keep in stocks, bonds, and cash?
- Which investments belong in taxable accounts versus retirement accounts?
- How should withdrawals affect the portfolio?
- How should taxes influence investment decisions?
- When does rebalancing make sense?
- How should the portfolio respond during difficult markets?
The goal is not to build the most complicated portfolio. It is to build one that supports the plan.
Asset allocation
Your mix of stocks, bonds, and cash should reflect your spending needs, time horizon, risk tolerance, and the role your portfolio plays in retirement.
We help structure the portfolio around those needs rather than around a generic model.
Asset location and taxes
Where investments are held can matter almost as much as what you own.
We help coordinate taxable accounts, traditional IRAs, Roth IRAs, and other accounts so the portfolio works alongside your tax plan.
Rebalancing and ongoing management
Markets move, allocations drift, and your needs change.
We monitor the portfolio and make adjustments over time so it stays aligned with the retirement plan.
Investment management is part of the relationship.
Investment management is included as part of AlignPoint’s flat-fee retirement planning relationship.
That means the portfolio is managed in the context of your retirement income, tax strategy, and broader financial plan.
Independent custody
Personal guidance. Institutional infrastructure.
Your investment accounts are held in your name at Charles Schwab, not by AlignPoint.
Schwab provides custody, account statements, secure online access, and trading infrastructure. AlignPoint provides the retirement planning, investment management, and ongoing guidance that connect your portfolio to your life.
Charles Schwab & Co., Inc. is not affiliated with AlignPoint Wealth and does not endorse or recommend its services.
Start with a Strategy Session
We look at where you are today, where you want to go, and how your investments need to support the retirement decisions ahead.
Schedule a Strategy Session