In Good Order
Finding perspective in the midst of complexity
Everyone has three basic categories of assets – Cash and Marketable Securities, Personal Use Assets, and Other Non-Liquid Assets. As individuals move up the wealth spectrum, they simply have more of each. Higher levels of wealth lead to more entities including trusts, partnerships, and other organizations. We understand this complexity and, more importantly, how to manage it properly.
Our Services and Approach
A highly diversified investment strategy derived from decades of academic research in financial and market theory
At the most basic level, we help clients develop an asset allocation and stick with it while helping them focus on sustainable spending when not earning a salary. For clients in the accumulation phase and those with excess cash from royalty payments and operating businesses; we help them systematically invest excess capital, eliminating cash drag to accelerate compounding. All the while, with a focus on maximizing the after-tax value of client portfolios.
“Whether you have one million or one hundred, we are able to see the big picture and focus your attention efficiently using an integrated approach to wealth management.”
– HENRY BRAGG
Portfolio Management
+ We will design and implement a disciplined investment strategy based on your unique financial situation. The allocation will be managed to an investment policy statement and routinely rebalanced to maintain your risk profile.
Retirement Planning
+ We help portfolio savers and spenders determine a sustainable level of spending and stay close to it when not earning a salary. We also provide guidance on the order of saving and spending based on the various account types available.
Tax & Estate Planning
+ Being familiar with all your assets allows us to identify opportunities that may reduce income and estate taxes.
Education Planning
+ We help parents and grandparents develop and implement a plan for college expenses.
Charitable Planning
+ Many of our clients have been successful and enjoy making the world a better place through giving. We help them maximize gifts while minimizing taxes and administrative burdens.
Business Owners
+ Business owners are faced with many unique challenges and opportunities. We can help these leaders see and execute unique opportunities including the eventual sale of their business.
Risk Management
+ We seek to understand your insurance stack to ensure adequate life insurance coverage as well as inspect for gaps in property, casualty, and liability insurance coverage.
Specialty Services
Personal CFO
+ We have several clients who have reached the pinnacle of their career and have created a number of responsibilities for themselves. We help them streamline the management of duties for succession purposes.
Partnership and Estate Management
+ We assist family members with long and short-term obligations related to Family Limited Partnerships and estates.
Frequently Asked Questions
How does a typical engagement begin?
+ In a typical engagement, we begin with a comprehensive review of your financial situation from which we provide general observations on what we have found.
Following these initial findings, we develop a customized asset allocation, savings plan, and guidance on expected future sustainable spending.
From there, we will meet regularly, if desired, to review your situation and update the plan. Between review meetings, we’re available as needs arise.
Where are client assets held?
+ We use an independent account custodian, Charles Schwab & Co., to safeguard client assets.
Do you create your own investment products?
+ No, but we like those created by Dimensional Fund Advisors.
Does Henry Bragg & Co. take custody of client assets?
+ Henry Bragg & Co. has the authority to deduct our investment advisory fees directly from client accounts. In certain cases, we have the ability to pay third-parties (i.e., CPA, Estate Attorney, Charity) based on standing letters of instruction.
Will you coordinate with my other professionals?
+ Yes, with your permission.
How is Henry Bragg & Co. compensated?
+ We charge an advisory fee based on assets under management. Fees are negotiable. You can read more about our fees on our Form CRS and ADV Part 2A.
How are investment decisions made?
+ We confer with institutional partners and take guidance from a Third-Party Investment Policy Committee.
Do you believe markets are efficient?
+ Yes, mostly.
What are your thoughts on venture capital, private equity, and hedge funds?
+ We like them in that order. Generally, we prefer liquid securities that provide price transparency.
Do your advisors have advanced degrees and financial certifications?
+ Yes. You can learn more here.