Obtaining a clear and comprehensive view of your financial landscape is essential to achieving long-term success. This begins with understanding your core values, personal philosophy, and aspirations for the future. We take a 360-degree approach to evaluating your current financial well-being, carefully considering both the “why” and the “how” behind each element of your financial framework.
From there, we work with you to develop a comprehensive plan tailored to your unique goals. Defining and prioritizing what matters most provides clarity, puts financial decisions into perspective, and helps you make better investment choices. Our mission is to guide you toward a future that is confident, prosperous, and secure.
With your plan in place, our team identifies an asset allocation designed to align with your goals and risk tolerance. Because asset allocation is the primary driver of long-term returns, we focus on the overall composition of your portfolio, ensuring it supports both your immediate needs and your long-term objectives
We also emphasize tax efficiency and cost-effectiveness in implementing your personalized investment strategy. Where appropriate, this includes techniques such as minimizing short-term capital gains, managing dividend distributions, strategically harvesting losses, and considering the most effective placement of assets across tax-deferred, tax-free, and taxable accounts.
As life evolves, we review your plan and portfolio regularly, adjusting when circumstances change. Our Investment Committee provides ongoing guidance informed by macroeconomic factors and market conditions, while your advisor makes recommendations tailored to your specific situation.
The true test of any philosophy often comes during periods of market stress, when portfolios may appear to fall short. In these moments, thoughtful planning allows us to hold on to long-term assets that may be temporarily out of favor, helping preserve the integrity of your portfolio. With decisions grounded in a well-designed plan, you are better equipped to navigate market volatility with clarity and confidence.
Discipline and behavior are critical to successful investing. The natural emotions of fear and greed can cloud judgment, especially when faced with the constant stream of conflicting opinions presented in the media around the clock. For individual investors, it can be difficult to know what truly deserves attention. A disciplined investment philosophy provides clarity - helping you cut through the noise, avoid impulsive decisions, and remain focused on what matters most and what is within your control.
Successful investing is less about predicting short-term market movements and more about making consistent, disciplined choices over time. This long-term perspective allows you to tune out distractions, stay grounded in your plan, and steadily build lasting wealth.
The overlap between what matters and what you can control is where real progress happens. These are the choices you make every day—how much you save, how you allocate and diversify your portfolio, how you respond to volatility, and how faithfully you stick to your plan. Focusing on these controllable factors is what ultimately drives outcomes and puts you in the best position to achieve your long-term goals.
Socially responsible investing (“SRI”) is more than avoiding “sin” stocks. It’s about making investments that positively impact our environment, social responsibility, and corporate structures, while also focusing on client risk and return objectives. Also known as environmental, social, and governance (“ESG”) investing, this approach considers the sustainability and societal impact of each investment. OnePoint BFG believes that money can be utilized as a tool, and at our clients’ direction, can be put towards the specific purpose(s) that could improve the future of client designated communities.
As socially responsible investing gains ground, more investment managers are offering ESG-focused investments. For example, clients can achieve their ESG objectives through OnePoint’s use of a Unified Managed Account (“UMA”). The UMA platform can screen out specific stocks or entire sectors based on a checklist of ESG-related factors. This checklist allows the client to establish their own personal ESG policies for their respective account(s). Alternatively, clients can achieve a variety of proactive ESG objectives through the use of custodian-designated “socially responsible” mutual funds. OnePoint’s Investment Committee monitors the investment performance of such “socially responsible” mutual funds (and all other non-ESG funds within its domain) on a quarterly basis while the ESG criteria within these mutual funds are monitored by the applicable custodian.
Environmental Social Governance (ESG) investing has certain risks based on the fact that the criteria excludes securities of certain issuers for non-financial reasons and, therefore, investors may forgo some market opportunities and the universe of investments available will be smaller. See additional disclosures located at the end of this document.