Let's Talk
Model Portfolios

Choose a portfolio that fits your goals

We manage three fee-only model portfolios. Reach out and we'll match you to the right one or a combination.

Income

For cash flow
0.60%
Per year
  • Dividend-paying stocks, individually selected
  • Suited to investors seeking regular income
  • Risk: dividend cuts, sector concentration
See Portfolio

Growth

For long-term growth
1.20%
Per year
  • Individual stocks, low portfolio turnover
  • Suited to investors who won't need the money for years
  • Risk: concentration, extended declines
See Portfolio

Speculative

For higher-risk investors
1.60%
Per year
  • Fewer holdings, concentrated by design
  • Not appropriate for all investors
  • Risk: sharp declines of 30% or more
See Portfolio

Investing involves risk, including the possible loss of principal. The Speculative portfolio is not appropriate for all investors.

Side by side

Which portfolio fits your goal?

Income Growth Speculative
Suited for Retired, approaching retirement, or want income while you hold 3-plus year horizon and patience to hold through declines Can handle sharp drops and understand positions can lose their full value
Annual fee 0.60% 1.20% 1.60%
What it holds Dividend-paying stocks and preferred shares Individual growth stocks, U.S. and international Small number of higher-volatility stocks (small-cap, thematic, select emerging markets)
Goal Cash flow from dividends Long-term compounding Concentrated positions in smaller companies
Timeline Flexible 3+ years 5+ years
Risk level Lower volatility, but principal can still be lost Moves with the market and can lag for stretches High. Drops of 30% or more are a realistic outcome
Billing Quarterly, after each period Quarterly, after each period Quarterly, after each period

Investing involves risk, including the possible loss of principal. Not sure which one fits? Send a question and we'll point you in the right direction.

How Much It Costs

One advisory fee. That's it.

No account-size tiers. No account fees. No trading commissions. One rate per portfolio, deducted quarterly.

Portfolio value $10,000
Annual advisory fee
Income $60 per year (0.60%)
Growth $120 per year (1.20%)
Speculative $160 per year (1.60%)
FAQ

Common questions

  • Yes. You can move to a different portfolio at any time. No exit fees, no lock-in period.

  • Fees are calculated on the average daily net liquidation value of your account and billed at the end of each quarter. Deducted directly from your account, so you never get an invoice.

  • Individual, joint, IRA (Traditional, Roth, Rollover, SEP), trust, and custodial accounts. All held at Interactive Brokers.

  • Yes. All three portfolios hold stocks, which means account values can fall as well as rise. Income and Growth carry normal stock market risk. The Speculative Portfolio is more concentrated in smaller companies and can decline sharply, including 30%, 40%, or more. Investing involves risk, including the possible loss of principal.

  • Yes. Some clients hold multiple accounts at Interactive Brokers, each managed under a different portfolio. For example, a taxable account in Growth and an IRA in Income. Each account has its own advisory agreement and is billed separately at the applicable rate.

  • No. These are fixed model portfolios. All clients assigned to a given portfolio hold the same positions. After you reach out, we send a short questionnaire about your goals, timeline, and how much loss you're comfortable with to find the right match, but the portfolio itself is not tailored to individual clients.

  • At Interactive Brokers, in an account in your name. IBKR is a SIPC member with $500,000 in standard coverage plus $30 million excess coverage. SIPC protects against brokerage failure, not market losses.

See all questions
Contact

Have a question about a portfolio?

Tell us your goal and timeline. We'll point you in the right direction.

Fields marked with * are required.

0 / 1,000

No commitment. No spam.