Managing investment risk and asset allocation for Texas retirees

We structure diversified portfolios that balance growth and stability, using thoughtful asset allocation, ongoing monitoring, and timely shifts so your retirement plan is designed to handle market volatility across Austin, Houston, Dallas, San Antonio, and beyond.

Why Risk Management Matters

Protect against the wrong losses

Near-retirees need portfolios that can fund income while controlling drawdowns. We model sequence-of-returns risk, inflation, and cash needs so allocation choices fit real life in Austin, The Woodlands, Houston, Dallas, San Antonio, and Corpus Christi. The goal is steadier progress through varied markets, not just chasing the latest rally.

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Diversification & Allocation

Diversification and asset allocation

We spread risk across large-cap, mid-cap, and international equities, quality fixed income, and selective alternatives. Target weights reflect goals and risk comfort, with tilts that adjust as conditions evolve. When one area outgrows its target, we rebalance to keep risk in line. To see how allocation supports monthly income, review our retirement planning approach.

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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How we adjust tactically

Act when conditions change

When volatility rises or economic signals weaken, we may raise cash, add defensive holdings, or shorten duration in fixed income. When markets reset and opportunities emerge, we can lean back into quality assets. These decisions reflect our investment philosophy and are reviewed with you in regular meetings.

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Protective strategies we employ

Layered defenses beyond markets

We use position sizing, trims on extended names, and selective hedging tools when appropriate. Beyond market risk, we also address digital exposure with our client cybersecurity protection program so your financial life is guarded online as well.

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How we monitor and rebalance

Discipline you can count on

Portfolios are tracked daily with formal reviews at least twice a year. We quantify risk, compare to targets, and document changes so you always know where you stand. For implementation details and performance context, visit investment management for the full picture.

All investing involves risk, including loss of principal. Past performance does not guarantee future results.

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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.