MyFinis invests based on themes. A theme can lead us to an individual company, a particular sector, an asset class or a specific market. Investing in individual companies is preferred, as it eliminates a layer of fees. Many clients have sufficient wealth that MyFinis can achieve diversification through investments in individual securities, and so individual securities often comprise a meaningful part of client portfolios. However, clients of all sizes may have funds or outside managers, when warranted, such as when market access, strategies, diversification or expertise justify the expense.

Taxes are a critical component of long-term returns. Individual security investing is tax-efficient through the ability to control the timing of capital gains as well as tax-loss harvesting. MyFinis proactively considers how certain investments fit within a client’s taxable and tax-deferred accounts (i.e. a higher dividend paying stock may be in an IRA, while a non-dividend stock is in the taxable account)