Investment Management

Most people don’t have the expertise or desire to manage a complex investment portfolio. Yet the public is constantly bombarded with advice from so-called experts and advertisements for confusing financial products.

It’s no wonder people feel helpless when it comes to dealing with their finances. So, what should you do if you’re looking for respectable returns and diversification? Brown Wealth Management offers a solution. Our investment approach is time-tested, disciplined and highly diversified. We offer objective advice and solutions. We’re not trying to sell you expensive, inappropriate products that earn us big commissions.

Instead, we embrace the science of investing. We concentrate on the things that truly drive investment returns, reduce volatility and simplify the investment process.

Clients of Brown Wealth Management are able to invest with confidence because they enjoy Brown Wealth’s commitment to fiduciary duty, ongoing and sound advice, long-term risk and return data, strategic rebalancing, tax loss harvesting, and education. When you work with us, you can invest, relax and enjoy the peace of mind that comes from working with professionals who are committed to your investment success.

What are Investment Management Services?

The Investment Management program provides on-going discretionary investment oversight including investment selection, trading, monitoring, and performance reporting.

Who Tends to Choose Investment Management?

The Investment Management program is preferred by clients looking solely for investment assistance. This service level does not provide for any other services such as financial advice, tax planning, or scheduled face-to-face meetings.  We have priced the program without these additional services to keep costs low.

How Are Investment Management Fees Calculated?

Fees for the Investment Management program are based on the value of the investments being managed and are not higher than .75% of the investment value annually.   This is almost half the average advisory fee according to the 2012 Investment News/Moss Adams “Financial Performance Study of Advisory Firms”.  Their study found the average annual fee for a client with $1 million in investable assets is 1.39%.

Quarterly fees for our Investment Management program are subject to a $1,000 minimum amount, and therefore a portfolio of at least $500,000 makes the most sense.

Asset Class Investing

At Brown Wealth Management, we embrace an approach to investment management called asset class investing. Asset class investing is based on the science of investing, and is built on five core principles, which we've described below.

Markets work

We believe a free and competitive market system is the most efficient way to allocate resources. Simply put, markets work. Based on this idea of market efficiency, we choose managers that capture market rates of return by investing in large numbers of securities in selected asset classes excluding certain securities, like initial public offerings, financially distressed or bankrupt companies, and illiquid securities. We also minimize trading costs by owning a broad representation of securities in many asset classes and not frequently buying and selling unnecessarily.

Asset allocation

We manage risk by investing in precise asset classes. We spend significant time with our clients helping them analyze and create asset allocation policies that are appropriate for them. Your asset allocation is determined by a range of factors, including your time horizon, return needed to achieve goals, ability to take risk, and the need to take risk. We believe that you shouldn't take the risk unless you need to.

Effective diversification

Diversification enables us to capture broad market forces while reducing risk. Our investment strategies draw heavily upon this philosophy. Diversification doesn't eliminate all risk, but by combining multiple asset classes, diversifying globally, and investing in thousands of securities, it does reduce risk and helps position your portfolio to capture the returns of broad economic forces.

Tax management

Tax management seeks to maximize your after-tax returns while maintaining your desired asset class exposure. Our tax management strategy involves asset location strategies, tax-efficient rebalancing, tax-managed mutual funds, cost-basis evaluation, and tax-loss harvesting.


Regularly rebalancing a portfolio helps us maintain the portfolio's original risk profile. We review portfolios for rebalancing opportunities. We believe we should only rebalance when the expected benefits from rebalancing will exceed the expected costs.

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