Investment Management Built Around Your Financial Plan
Investment management isn't just about picking stocks — it's about building a portfolio that fits your goals, your tax situation, and the rest of your financial life. In Phase Wealth Management provides personalized, tax-focused portfolio management for high-income professionals, tech employees, and business owners in San Mateo and the Bay Area.
How We Manage Your Investments
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Personalized Allocation
Your portfolio should reflect your specific goals, time horizon, and risk tolerance — not a generic model based on your age alone. We build an allocation around your actual financial plan.
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Active Management
Markets and your life circumstances change. We actively monitor and adjust your portfolio rather than setting it once and stepping away.
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Tax-Focused Investing
Where possible, we manage your investments with an eye toward minimizing the tax drag on your returns — through asset location, tax-loss harvesting, and thoughtful trading decisions.
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Risk Management
We help you understand and manage the risk in your portfolio, including concentration risk from equity compensation, so your investments support your goals without exposing you to more risk than you intend.
Our Approach
1. Start with the plan, not the portfolio.
Your investments exist to support your financial goals — retirement, financial independence, a future liquidity event. We build your allocation around that plan, not the other way around.
2. Account for what you already hold.
Many of our clients come to us with concentrated stock positions from equity compensation. We factor that into your overall allocation so your "portfolio" means your full picture, not just what's in a brokerage account.
3. Manage taxes alongside returns.
A high pre-tax return doesn't always mean a high after-tax return. We weigh the tax impact of investment decisions alongside the investment merits themselves.
4. Monitor and adjust over time.
We review your portfolio on an ongoing basis — not just annually — so it stays aligned with your goals as markets and your circumstances change.
Who This Is For
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High-income professionals looking for a personalized, actively managed portfolio
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Tech employees who need their equity compensation factored into overall allocation
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Business owners seeking tax-efficient investment management
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Anyone who wants their investments coordinated with their broader financial and tax plan
Frequently Asked Questions
What's the difference between active and passive management?
Passive management tracks an index and doesn't adjust based on market views. Active management involves ongoing decisions about positioning based on market conditions, your goals, and tax considerations.
How do you manage risk in my portfolio?
We look at diversification, concentration risk (especially from employer stock or equity compensation), and your overall risk tolerance to build a portfolio that matches what you're actually comfortable with.
Do you manage investments outside of retirement accounts?
Yes. We coordinate across taxable brokerage accounts, retirement accounts, and equity compensation holdings to manage your investments as a complete picture rather than in isolated pieces.
Want an investment strategy built around your full financial picture?