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 Your Investments Are Managed
Personalized Allocation
Your portfolio should reflect your specific goals, time horizon, and risk tolerance — not a generic model based on your age alone. I build an allocation around your actual financial plan.
Active Management
Portfolios are constructed with best-in-class fund strategies to leverage asset class expertise with the goal of giving clients allocations to key factors driving market returns. Markets and your life circumstances change. I actively monitor and adjust your portfolio rather than setting it once and stepping away.
Tax-Focused Investing
Where possible, I manage your investments with an eye toward minimizing the tax drag on your returns — through asset location, tax-loss harvesting, and thoughtful trading decisions.
Risk Management
I 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.
The Approach
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.
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.
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.
Monitor and adjust over time.
I 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
Want an investment strategy built around your full financial picture?
Frequently Asked Questions
A fiduciary standard is a mandate for a financial advisor to act in your best interest, rather than simply recommending investments that are "suitable." Not all financial professionals are held to this standard, so it's worth understanding whether the person you're working with is one. I operate under a fiduciary standard.
What is a fiduciary standard, and why does it matter?
What's the difference between active and passive management?
Passive management tracks an index typically based on the size or market capitalization of a company and doesn't adjust based on market views or your personal financial situation. 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.
How is a financial advisor paid who charges a fee based on assets under management (AUM)?
In Phase Wealth Management charges a fee based on a percentage of the assets I manage on your behalf, typically billed quarterly and taken directly out of your account. As your portfolio grows, the fee grows with it — and the same is true if it declines. This structure means my compensation is directly tied to managing and growing your assets over time, rather than earning commissions from specific products or transactions.