You enjoy managing your own portfolio. And you’re pretty good at it.
But sometimes you want a second opinion, just to make sure you’re not missing anything. And you don’t want that to cost 1% of your assets.
That’s why we created our Portfolio Tune-Up.
At A Glance:
Our Portfolio Tune-Up
An expert, comprehensive review of your investments to make sure you’re not leaving anything on the table.
Get real recommendations you can implement, not a sales pitch for an ongoing relationship.
You Get:
→ Performance benchmarking
→ Tax efficiency optimizations
→ Blind spot analyses
$399
A single, flat fee. No Commissions. No AUM. No obligation for an ongoing relationship.
Real Advice from a Professional
Work with an expert portfolio manager who will provide you with real recommendations you can implement today.
A Focus On Tangible Results
Nathan Kangpan | My Story
Founder & Lead Advisor
I spent nearly two decades leading engineering and data science teams before becoming a financial advisor.
We do things a bit differently here. We pride ourselves on analytical depth and rigor.
Our Tune-Up consists of 17 Diagnostics designed to find immediate, quantified value that you can implement right away.
Here are the kinds of opportunities we typically identify across a mix of portfolios:
$3,262
Yearly savings via tax-efficient asset location strategies in a $2.9m portfolio
$2,931
Through strategic tax-loss harvesting for a $390k brokerage account.
$412
In higher, yearly after-tax yield for a $155k cash position
17 Detailed Diagnostics Across 5 Categories
We believe in process. We like being thorough.
Here’s exactly what we’ll look at across your portfolio:
I. PORTFOLIO STRATEGY
- Performance Benchmarking: How your portfolio’s actual returns compare to a relevant market benchmark, not just whether it “felt like a good year.”
- Goal Alignment: Whether your mix of stocks, bonds, and other assets actually matches your goals and risk tolerance.
- Liquidity Runway: How much of your money is accessible without penalty, taxes, or a forced sale if you needed it quickly.
II. PORTFOLIO EFFECTIVENESS
- Concentration Risks: Whether too much of your net worth is tied to one stock, sector, or employer (common with RSUs and options).
- Correlation Overlaps: Whether funds that look diversified are secretly holding a lot of the same underlying companies.
- Passive vs. Active: Ensuring you’re not paying more for actively managed funds without evidence they’re outperforming a cheaper passive alternative.
- Dead Cash: Cash sitting idle in low- or no-interest accounts instead of working for you.
III. Tax Efficiency
- Loss Harvesting: Identifying investment losses you could use right now to offset taxable gains.
- Gain Harvesting: Identifying opportunities to realize gains at a lower tax rate before your income changes.
- Tax Location: Making sure the right investments sit in the right accounts, so you’re not paying more tax than necessary on the same holdings.
- Account Funding: Whether you’re contributing to the right accounts in the right order (401k, Roth, HSA, backdoor Roth) to maximize what you keep.
IV. FEE EFFICIENCY
- Fund Fees: What you’re actually paying in expense ratios, and whether cheaper equivalents exist.
- Admin Fees: Custodian or platform fees you may not realize you’re paying.
- Advisor Fees: What you’re currently paying for advice, and whether you’re getting proportional value for it.
V. ACCOUNT STRUCTURE
- Account Consolidation: Whether old 401(k)s or scattered accounts should be combined to simplify and strengthen your overall strategy.
- Titling: Whether your accounts are registered correctly (individual, joint, trust) for your actual situation.
- Beneficiaries: Whether the people set to inherit each account are actually who you’d want.
Three Collaborative Sessions.
A Complete Review. A Clear Plan.
Our Portfolio Tune-Up takes place over three collaborative sessions.
Here is what we cover in each session:
01
Free 30-Minute Call
Before anything else, we want to make sure we can actually help with your situation and that we’re a good fit for each other. We’ll learn more about you, your portfolios, and whether the Tune-Up is the right fit for your needs.
→ Get your key questions answered
→ No obligation to proceed
→ Schedule Portfolio Overview if you want to work together
02
Portfolio Overview
We’ll spend 30 minutes together reviewing your current portfolios and collecting the information we need to do our analyses.
→ Complete a quick questionnaire to capture key data
→ Download account statements
→ Understand your investing philosophy and goal
03
Portfolio Tune-Up
We’ll present our detailed recommendations to you, ensuring you understand where your portfolio’s gaps and opportunities are. You keep the detailed analyses as you implement the findings.
→ Quantified gaps
→ Implementation guide
→ Have us implement for you if you want to continue working together
“It’s hilarious just how much better your approach is compared to our old advisor. He never looked at any of this.”
J. and A.
One flat fee. No surprises.
Quality financial advice shouldn’t cost 1% of everything you own.
The Complete Portfolio Tune-Up:
$399
One-time flat fee. No retainer required.
✓ Free 30-minute triage consultation
✓ Two portfolio strategy sessions
✓ We’ll review up to four accounts
✓ 17 detailed diagnostics
✓ Prioritized implementation guide
✓ No AUM. No commissions. No ongoing obligation.
Let’s Chat
Start with a free 30-minute call to see if we’re a fit for each other. There’s no upfront commitment required.
COMMON QUESTIONS
Here’s what people often ask before booking:
Is there a minimum amount of assets needed to do this analysis?
No. Our Portfolio Tune-Up is designed to work with portfolios of any size. However, if your portfolio has less than $100k in assets, the tangible value of our findings may not exceed the cost of our analysis.
What if I’m not sure if I need this? Can I just do a free call first?
Yes. The initial 30-minute call is free and specifically designed for this. We’ll talk through your situation and give you an honest assessment of whether our Tune-Up is the right fit for you. There’s no obligation to proceed to the paid sessions. Many people find the call itself with us is clarifying.
What do I need to prepare before the sessions?
You do not need to send anything before the initial 30-minute call. If you decide to proceed, we will set up a session to go through your accounts together. This minimizes the amount of work you need to do on your own and helps us understand your situation better as we go through your accounts together.
Do I have to become an ongoing client after the Tune-Up?
No. The Tune-Up is a complete, standalone engagement. You get the full analysis and action plan whether you continue working with us or not. Some Tune-Up clients do become ongoing advisory clients because they prefer to have us implement and manage their investment strategies going forward but there’s no pressure and no expectation.
How is this different from the “free” portfolio review that XYZ company offers?
Our experience is that most “free” portfolio reviews are not truly analyses and are very light in substance. They are typically part of an aggressive sales process to get you to sign up for an ongoing relationship.
Our Tune-Up is meant to be a standalone, value-add solution for people who want a true analysis. It has 17 different diagnostics and includes two in-depth working sessions with you to deeply understand your goals and which strategies will help you best achieve them. You get an implementation plan that allows you to make the updates yourself with no expectation or obligation for an ongoing relationship.
What if I need more help after the two sessions?
We offer ongoing advisory relationships for clients who want to continue working with us. You let us know if you want our help implementing after the Tune-Up. There’s no upsell during the sessions themselves.
Let’s Chat.
Start with our free 30-minute call.
We’ll discuss your situation together and figure out if our Portfolio Tune-Up is the right fit for you.
Or email me at [email protected]
No commitment required.
No sales pitch.