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Your investments have work to do — a retirement that has to last, a house that gets bought, a child attending school, a family cared for later, a business someday sold. The portfolio gets built around those obligations.
We calibrate risk to what the money has to do. Tax planning runs through every position and performance gets read against the plan you're funding.
The portfolio is built to hold up across decades of market cycles, tax-law changes, and the life events that interrupt every plan. Positions are chosen for what they do over a long enough timeline that short-term noise matters less. Patience is the discipline.
Each holding has to justify the exposure it brings. The portfolio doesn't carry positions because they're available, because the model says diversify, or because someone wanted to add complexity. If a position can't be tied to a job in the plan, it isn't in the portfolio.
Arrowroot does not manufacture investment products or sell structured notes. There are no proprietary funds inside the portfolio. What gets recommended is what fits your goals.
Private credit, hedge funds, and structured strategies get used sparingly, only where they fit the protective work. When alternatives belong in a portfolio, the case is specific to the obligation, not to the asset class.
Before any modeling, there's a real conversation about what brought you here. Often it's a grant that just landed, a vest coming up, an IPO or tender offer on the horizon, a planned departure with options about to expire, or last year's AMT bill that came in larger than expected. By the end you'll know whether this fits and what working together involves.
The portfolio you hold today is the first subject of the work. Then there's the cost basis, account type, restrictions, and the reason each holding was bought. The cost of changing anything gets calculated beforehand.
A target allocation gets set against the obligations the portfolio has to fund. Asset location places each holding where its tax treatment fits. The transition plan runs alongside the build, since most of the first year is the careful work of moving out of legacy positions.
Custody moves, account transfers, and the first round of trades happen on a sequence designed against your tax position. Concentrated holdings come down on a timeline that controls the gain exposure. The legacy account becomes the portfolio the plan needs, on a pace the tax position can absorb.
The work runs continuously. We operate in thresholds rather than calendar dates, and tax-loss harvesting happens through the year. When a sale, inheritance, retirement, or loss resets the obligations the portfolio has to fund, the allocation gets adjusted to match.
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Investment management is daily work rather than quarterly review. The senior advisor who designs the portfolio is the one running every trade, position, rebalance, and decision that touches tax.
Our advisors keep concentrated client books so each portfolio gets the attention of the person whose name is on the agreement. When a decision crosses into tax, estate, or financial planning, the specialists are in-house and one conversation away.
Rob works with founders, executives, and families navigating concentrated wealth, business exits, and generational planning. He founded Arrowroot in 2013 and leads the firm from Southern California.
Cassandra works with clients on retirement planning and Medicare strategy, with deep expertise in healthcare cost planning and the tradeoffs that shape later-life decisions. She is a licensed insurance agent with more than 12 years in financial services.
Crystal works with individuals, families, and business owners on financial planning, investment management, and tax strategy. She is a CFP® and IRS Enrolled Agent with over two decades of experience.
Irene oversees operations and regulatory compliance across the firm. She brings more than 22 years of financial services experience across investments, capital markets, operations, management, and sales.
Mark works with families and business owners on financial planning, portfolio management, and tax strategy, with a particular focus on cash flow and long-range projections. He is a CFP® and IRS Enrolled Agent.
Diane works with individuals, families, executives, and retirees on retirement planning, investment strategy, and long-term wealth management. She is an Accredited Investment Fiduciary® with over 30 years of experience.
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Building a business creates a personal wealth situation the business itself won't manage. Concentration in the company, deferred compensation, an eventual exit, and the retirement that follows each carry their own math. Decisions on the company side get coordinated with the personal plan so the two sides move together.
Threads through every investment decision and every estate document. Tax efficiency depends on timing as much as choice. Decisions get made so the math holds up across decades rather than quarters.
Built around the obligations the portfolio has to meet. Holdings fund retirement income, education, gifting, and the unexpected on schedules that match real life. Risk gets calibrated to the work, and tax planning runs through every position.
At the center of cash flow, tax, and investment decisions, this long phase has its own math at every stage. Income, taxes, and sequence get modeled so the timeline holds up under stress. The work continues across every transition retirement contains, since one phase rarely sets the pattern for the next.
Touches every other practice the moment something changes. Estate, tax, and investment positions stay aligned so the structures still work when the time comes. Documents get revisited as the family and the assets shift.
Protects what's been built when something happens. Coverage gets sized to real exposure across business interests, dependents, and estate liquidity. As obligations shift, coverage shifts with them so the protection matches the situation.
Stock from your employer carries three identities at once: a tax position, an investment position, and a concentration risk. Vesting, exercise, sale, and AMT decisions get weighed together rather than separately. Timing of each gets coordinated against the broader picture.
Financial Planning is the practice that integrates the others into one plan. Tax decisions get made with investments in view, estate work gets shaped by the cash flow strategy, equity compensation gets calibrated against the rest of the picture. The plan holds together because one advisor guides it.
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Tell us where you are, where you're headed, and what you're working with. We'll help you get there.
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