Our Five-Step Process

At Synergos Advisory, our top-down methodology centers on ensuring that your overall allocation—and each account within your household portfolio— work in harmony to meet your needs. We do this through five key steps:

1. Assess Overall Equity-to-Fixed-Income Mix: Working in tandem with your financial plan, we determine how much of your portfolio should be in equities versus fixed income. This is driven by your personal goals, investment timeline, and tolerance for risk.
2. Define Asset Class Targets: We refine the target portfolio by breaking down your equity and fixed income allocations into detailed asset class targets across your entire household. Our goal is to create a balanced yet well-tailored mix that reflects your individual risk/return profile.
3. Optimize Asset Location: Through a proprietary process, we enhance tax efficiency by placing investments in the most suitable accounts. For example, tax-efficient investments may reside in taxable accounts, while less tax-efficient holdings go into tax-deferred accounts (e.g., traditional IRAs or 401(k)s). High-growth assets often fit best in tax-exempt accounts, such as Roth IRAs.
4. Conduct Investment Due Diligence: Before finalizing any securities for your portfolio, we carry out a review of registered securities to ensure each holding meets our standards and aligns with your established targets.
5. Proprietary Trade List Optimization: Finally, we generate a custom trade list that recommends which low-cost exchange-traded funds (ETFs) to buy or sell within each account. This step ensures your portfolio fully aligns with the defined asset allocation, implementing the results of our due diligence in a precise and cost-effective manner.

The Importance of Asset Allocation

Even before fine-tuning asset location or optimizing trades, asset allocation serves as the foundation of a strong investment strategy. By deciding on your mix of stocks, bonds, and other investment vehicles in accordance with your financial plan, you can:

• Manage Risk: Diversifying across and within asset classes can help buffer market swings.
• Seek Growth: Striking the right balance of growth and stability can improve long-term returns.
• Stay Focused on Goals: Aligning your allocation with your time horizon and objectives helps maintain clarity and discipline over time.

Why Synergos Advisory?

We believe that a strong framework, personalized to your needs, is the most effective way to manage your portfolio. At Synergos Advisory, we provide:

• Tailored Solutions: Our five-step methodology can be adapted to your specific financial situation, taking into account unique goals and account types.
• Tax-Efficient Mindset: We understand the significance of minimizing tax drag and employ a systematic asset location strategy to optimize where each investment sits.
• Cost-Effective Implementation: We focus on identifying low-cost ETFs, enabling you to keep more of your returns rather than paying high management fees.

Get Started Today

Building and managing your own portfolio can feel daunting, but you don’t have to go it alone. Our top-down framework ensures you address the most important decisions first—from high-level allocation to comprehensive due diligence and precise trade execution—so every facet of your portfolio works in unison to achieve your goals.

If you’re ready to learn more about how Synergos Advisory can help streamline your portfolio management, we’re here to guide you every step of the way.

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