Our investment philosophy and process for actively managed portfolios

Our active investment philosophy blends personalized asset allocation with tactical adjustments, giving Texas retirees a clear, repeatable process for pursuing consistent results while keeping risk aligned with real-life goals.

Guiding principles of our strategy

Built for clarity, discipline, and adaptability

Wealth Solutions follows four pillars: capital preservation, consistent growth, tactical flexibility, and transparency. We prioritize quality businesses and durable cash flows, maintain diversified allocations, and change positioning when conditions warrant. Clients see holdings and results clearly, with explanations tied to the data in each review.

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Active management vs. passive

Why we choose active oversight

Index funds have a place, but retirees in Texas often benefit from active decisions that balance income needs with risk. We don’t chase every market move; we make informed adjustments to manage drawdowns and capture opportunity. This hands-on approach is led by Richard Blair and reflected in our customized solutions as well as individual securities where appropriate.

Portfolio Construction Process

How we build and maintain portfolios

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Discovery and goals

Clarify income needs, risk comfort, timeline, and legacy priorities.

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Strategic allocation

Set a target mix across equities, fixed income, and select alternatives.

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Proprietary integration

Allocate to client-only strategies where they add value.

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Implementation

Execute trades and establish monitoring.

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Ongoing oversight

Track markets, risk metrics, and holdings daily.

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Review and rebalance

Meet semiannually and adjust to keep the portfolio aligned.

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Technology & Reporting

One portal for a complete view

Our Blueleaf portal consolidates accounts so you see net worth, performance, and allocations in real time. Meeting packets include attribution, benchmark context, and action steps for the next period.

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Team Collaboration & Oversight

Research-driven decisions you can follow

Richard Blair leads strategy and reviews research weekly, coordinating with our team to test assumptions and evaluate risk. When we change positioning, we explain the rationale and impact on income and volatility.

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Client Communication

Plain language, proactive updates

Expect scheduled reviews, timely notes when conditions shift, and an open line for questions. For retirement alignment and tax awareness across accounts, see retirement planning and tax planning for the broader plan context.

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Frequently Asked Questions

Answers about access and returns

  • Can anyone invest in these proprietary funds?

    No. These are available only to clients of Wealth Solutions, which lets us tailor strategies without external pressures.

  • What are the risks of your fund strategy?

    All investing carries risk. We aim to control volatility through diversification, position sizing, and the ability to raise cash or tilt defensive when conditions change.

  • How do your returns compare to the market?

    Historically, our flagship fund has outpaced common benchmarks over recent periods. We share specific comparisons in a meeting so context and methodology are clear.

  • Are these funds audited or regulated?

    They operate under our RIA framework with custodial oversight and established calculation methods. Performance figures are shown net of fees.

  • Can I see more detailed performance data?

    Yes. We provide detailed fact sheets and walk through results in plain language. To start that conversation, schedule a consultation.