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An Independent Portfolio Review
At Conscious Wealth Investments, our only priority is you and your family. As a fiduciary, we act solely in your best interest—not for shareholders or big banks pushing products. Our independence ensures guidance aligned only with what serves you.
With thousands of portfolios reviewed, we bring clarity to how you’re invested, how your portfolio has performed, and what you’re really paying—including hidden fees and opportunity costs. Our audit reveals if your money is truly working for you and ensures your strategy reflects your values, goals, and legacy.
All delivered through our clear 8-point process.
8 Point Process:
Portfolio Composition
See what you own, where it’s placed, & where it’s at risk.
- Breakdown of assets (stocks, bonds, private equity, alternatives, cash, etc.).
- Allocation across geographies, sectors, and asset classes.
- Concentration risk (e.g., too much exposure to a single stock or industry).
Performance Review
Measure returns against markets, goals, & risk.
- Historical returns (absolute and relative to benchmarks).
- Risk-adjusted returns (Sharpe ratio, alpha, beta, etc.).
- Comparison to your stated objectives (e.g., growth, income, preservation).
Risk Assessment
Understand vulnerabilities before they become losses.
- Volatility and downside risk analysis.
- Stress testing under different market conditions.
- Liquidity assessment (how quickly assets can be converted to cash).
- Scenario analysis (e.g., rising interest rates, recession impact).
Cost & Fee Analysis
Know what you're paying, & what you're getting.
- Management fees, fund expense ratios, and trading costs.
- Hidden costs like tax inefficiency or high turnover.
- Value received relative to costs.
Tax Efficiency
Keep more of what you earn with smarter structures.
- Review of realized/unrealized capital gains and losses.
- Tax location of assets (which accounts hold which investments).
- Strategies like tax-loss harvesting or charitable giving from appreciated assets.
Goal Alignment
Ensure your money matches your milestones.
- Are your investments still matched to your financial plan (retirement, education, legacy, liquidity needs)?
- Progress toward specific milestones.
- Adjustments needed for life changes (inheritance, exit from a business, etc.).
Compliance & Governance
Stay aligned with policy, purpose, & fiduciary duty.
- Adherence to investment policy statements (IPS).
- Fiduciary considerations (if managing for a trust or foundation).
- Alignment with ESG or values-based mandates, if applicable.
Forward-Looking Recommendations
Plan the next moves to protect & grow your legacy.
- Rebalancing suggestions (to correct drift from target allocations).
- New opportunities (asset classes, managers, or strategies).
- Risk-mitigation steps.
- Estate or legacy planning tie-ins.
