Private Wealth Management
You’ve built your success, but that doesn’t necessarily mean you want to manage it.
Wealth brings you a lot of things, complexity usually being one of them. Simplifying it is what we do. You may not really be that interested in the mechanics of financial planning, wealth management and investment portfolios – or you may not have the time – but you want to know you’re getting the best possible solutions. To that end, when we built Cable Hill Partners we started with a vision; providing advice at a higher level. That means taking what we learn about you and putting it through the filter of our fiduciary standards so that the course of action we come up with is exactly right for your needs and in your best interests. Independence means we can work with any providers and any financial products without fear of conflicts or quotas.
It’s that simple.
We believe in and follow an evidence-based portfolio management approach that is fundamentally different than what is found in most wealth management offerings, or pursued by most investors. We use research and strategic, passive investment strategies from Nobel Prize-winning asset management and index providing firms like Vanguard and Dimensional Fund Advisors (DFA), offering diversified and very low-cost portfolios that are tilted toward and successfully capture excess returns from broad market exposure with leanings to areas of the market that offer higher expected returns.
The end result is that you will have a customized investment strategy built entirely around your individual lifestyle needs, time frame, risk tolerance and aspirations.
Integral to each client relationship is a collaborative development of budgetary guidelines to ensure cash is readily available for your needs. To achieve this, we regularly review and rebalance holdings to provide proper liquidity for current requirements, new investment opportunities and unexpected emergencies.
Risk level has everything to do with comfort level. Establishing appropriate risk parameters is personal to each client. Adhering to those risk guidelines is achieved through diversification across asset classes to reduce risk from changes in interest rates, credit, business performance and inflation, global economic factors and more.
There are few things we advocate more strongly than tax efficient strategies in all aspects of financial life. While we do not provide tax advice to our clients, we regularly work with tax advisors retained by our clients to coordinate solutions that minimize the frequency and impact of taxable events.
Success offers the chance to do more in life, and big among our clients is the chance to give back whenever possible. Many of our clients are prominent patrons of Portland, Oregon and national charitable organizations, so we develop a range of charitable giving strategies that help our clients support the organizations and causes most important to them. In addition to doing good, charitable giving is intrinsically tied to prudent tax management. Everybody wins.
Our clients want their families to inherit more than just heirlooms. That’s why we make intelligent estate planning a cornerstone of our comprehensive wealth management. Cable Hill Partners works closely with estate planning experts to help minimize tax exposure and maximize family harmony as wealth passes from one generation to another. We also specialize in crafting and administering business succession plans for family-owned companies and other closely-held businesses.
The escalating costs of higher education raise the eyebrows of even our most successful clients. This has made education planning an integral part of our wealth management conversations. We help assess costs, identify appropriate college savings plans and build investment strategies so that the children and grandchildren of our clients can pursue their dreams.
Our concierge service provides highly personalized attention from representatives of the firm who are trained to assist clients in virtually all financial management activities.
Retirement Plan Services
Cable Hill Partners delivers forward-thinking advice and solutions that help you maintain a competitive benefit program and retirement-ready participants. We aim to reduce your burden by taking fiduciary responsibility for key plan activities, and provide thought-provoking, data-driven consultation in an ethical and transparent manner.
We partner with you as a co-fiduciary and steward to the investment committee. As an Oregon based registered investment advisory firm, Cable Hill is required to follow the fiduciary standard. In this capacity, we place the needs of our plan sponsors and their participants above all other interests — including our own.
Comprehensive and ongoing fiduciary guidance, training, and support to mitigate potential liabilities.
Proprietary fund ranking system that aims to enhance outcomes, manage risks and reduce fiduciary exposure.
Plan design assessments that strive to increase an employer's benefits return on investment (ROI) while striving to enhance participant retirement outcomes.
RFP driven process to ensure apple-to-apple comparisons and to help maximize a plan's negotiating leverage.
Advanced risk-based suitability process to identify a "best-fit" target date fund series that is right for your plan.
Highly customized plan participant content structured to help optimize outcomes and increase financial wellness.
Whether you’re an individual or family, an executive or business owner, have a foundation or oversee an endowment, you want advice and guidance to help navigate important decisions. We commit ourselves to gaining a thorough understanding of your life: not just your balance sheet, but also your hopes, dreams, fears, and concerns. And then we fully invest our energies, insights, and experience in helping you wherever and whenever your wealth touches your life.
Each client relationship begins with essential conversations about the key financial and personal issues they face. These conversations extend well beyond discussions about the markets, risk tolerances and investment philosophies to uncover the personal values and family dynamics that shape their most important goals and most pressing concerns.
Working alongside our clients, we identify, define and refine what they want to achieve today and how they envision tomorrow. From retirement planning, education funding or discovering more intelligent ways to borrow, to business succession plans and preserving assets and values over time, this portion of the process sets priorities and outlines our collective expectations moving forward.
Utilizing a holistic lens encompassing client assets across personal and business holdings, we present a comprehensive, fully integrated and completely customized wealth management plan. Each plan features bespoke recommendations and insights on investments, borrowing, liability protection, estate planning, philanthropy and more.
With client feedback taken into account, we now move to the implementation and monitoring phase of our process. On the investment side, we continuously evaluate asset performance and guard against overweighted portfolio sectors, rebalancing holdings whenever necessary. In other areas of the plan, we collaborate with the firm’s strategic partners and outside advisors our clients have retained to address their needs in lending, insurance, tax and estate planning and more.
Through regular phone, email and face-to-face meetings, we make sure our clients fully understand the progress they are making against stated objectives. This is highlighted by monthly performance reports and holistic quarterly reviews, providing the basis for deeper conversations where we focus on specific areas of the plan.