Investment Management

At Mission Wealth, we develop investment portfolios tailored to your financial plan and built to stand the test of time. As always, our portfolios are designed to help you get the most out of your investments at a comfortable risk level. Furthermore, our portfolios can be customized to integrate your legacy holdings so you do not pay any unnecessary taxes due to the portfolio transition. Our investment strategies are deeply rooted in academic, evidence-based research. We focus attention on what has proven to significantly reward investors over time, including risk management, global diversification, fee reduction, tax efficiency, yield and tactical rebalancing.

At Mission Wealth, we’ve been researching and advising on alternative investments for nearly two decades. These types of strategies have historically been reserved for larger, institutional-type investors (large pension plans, endowments, etc.) but through our strategic partnerships we are able to offer them to our clients, when appropriate. We partner with best in class managers with extensive experience and track records managing these unique opportunity sets.

We can help clients whose portfolios include large holdings of a single security in a concentrated stock position. Even if the stock has done well, a client may want more diversification or have new financial goals that require a shift in strategy. The choices appropriate for clients are complex and will depend on their unique situations, including legal constraints, emotional attachment to the stock, and tax considerations. Mission Wealth is also able to advise on 10b5-1 plans and help in the coordination with your CPA to make sure you have the most tax-efficient outcome possible when exiting a concentrated position.

We are long-term investors who monitor underlying investments daily, rebalance portfolios quarterly, and proactively replace managers when warranted. Based on the needs of each client, we can make periodic tactical changes to adjust to changing market conditions. Mission Wealth’s dedicated investment department monitors client investments, seeking opportunities for rebalancing or tax-loss harvesting when appropriate. We also provide quarterly performance reporting to our clients.

Socially Responsible Investing (SRI) aligns an investor’s portfolio with their specific values and beliefs to consider societal good in addition to financial return. At Mission Wealth, we select and proactively monitor companies and investments deemed to be best in class based on ESG (environmental, social and governance) criteria. Through our sophisticated research software, we can scour the universe of stocks, bonds, funds and ETFs and include those with high ESG scores. We then put them together into our Social Values Portfolio, which is a diversified basket of investments.

Mission Wealth has the capability to advise on and manage fixed income portfolios across a variety of client objectives. We assess the relative attractiveness of various bond yields, targeting the most attractively priced maturities while maintaining diversification across bond portfolios. We also incorporate any client specific requests or exclusions to create tailored fixed income portfolios.

We limit our individual fixed income securities to those rated A or better, thereby avoiding issuers with a higher level of default risk. We access bond pricing from hundreds of brokers, enabling us to find best execution for any given security. Once purchased, we actively monitor positions to ensure they continue to meet our investment criteria.

For taxable accounts, we seek to optimize tax efficiency by targeting Federal and State tax exempt municipal issues. We manage taxable fixed income portfolios for clients nationwide.

The timing of your buy and sell decisions, along with the specific investments you choose, can meaningfully affect your tax burden. We use a mix of mutual funds and ETFs designed to minimize transaction costs and taxes when rebalancing, and we “asset locate” by placing less tax-efficient assets in tax-deferred accounts while keeping more tax-efficient assets in taxable accounts—helping increase your after-tax return. Tax-efficient investing takes planning, and while taxes should never be the sole driver of your strategy, better tax awareness can improve your results. Key levers include selecting the right investment products, timing trades, choosing the right account types, harvesting losses, and using strategies like charitable giving—all working together as part of a cohesive approach. Ultimately, your investment decisions should be driven by your goals, financial situation, timeline, and risk tolerance, but factoring in taxes within that framework may help you build wealth faster.

Mission Wealth can build cash management solutions for our clients consisting of individual Certificates of Deposit, Variable Rate Demand Notes, Money Market Funds and Treasury Bills. We often provide this service free of charge as part of a larger relationship with our clients. In today’s low interest rate environment, every last basis point counts as does the safety, security, liquidity, and peace of mind that these very high credit quality investments provide.

If you are seeking additional income from your portfolio, we can create custom income strategies to maximize the after-tax income generated by your portfolio. We utilize buy-write strategies as well as ETFs that favor companies with higher dividend yields. This income tilt can be very beneficial, especially in the low interest rate environments. Additional income can be generated via the use of REITs, direct credit, direct real estate, along with other alternative investments and fixed to float bonds.