Investment Management
Prudent Portfolios for Long-Term Growth
What We Do
Our Investment Philosophy
Successful investing isn’t about chasing the latest trend—it’s about staying disciplined, diversified, and focused on what matters most: achieving your goals. At Cremé Wealth, our investment management process is guided by evidence-based strategies and a deep understanding of risk.
As fiduciaries, we prioritize your best interests. Portfolios are customized to your time horizon, income needs, and comfort with risk. Using research-driven frameworks like Modern Retirement Theory and partners such as Asset Dedication, we match assets to specific goals—seeking to balance stability for near-term needs with growth for the future.
How We Manage Portfolios
Every portfolio begins with a conversation. We take time to understand your financial picture, investment experience, and comfort with risk before creating a plan. From there, our team builds diversified portfolios tailored to your timeline, goals, and tax situation.
Building Blocks
We focus on building diversified, cost-efficient portfolios that balance growth potential with risk management. Using a mix of core holdings—such as broad-based index or institutional-class funds—and satellite positions that target specific opportunities, each portfolio is built to weather market shifts and pursue consistent results over time.
From Plan to Portfolio
Every strategy begins with understanding what matters most to you. We align your investments with personal goals, time horizon, and liquidity needs. By mapping expected expenses and savings milestones, we structure your assets into buckets—cash for near-term needs, balanced investments for medium-term goals, and growth positions for the long term.
Implementation
Once your design is in place, implementation determines success. Our team leverages institutional-class mutual funds and ETFs to maintain low expenses and tax efficiency. For clients seeking an added level of sophistication, we may incorporate factor diversification or smart beta exposure when it complements the overall strategy.
Building a Personalized Portfolio
No two investors are alike, which is why our approach begins with understanding you. We develop a portfolio strategy that reflects your stage of life, financial goals, and ability to handle market fluctuations.
Risk Assessment
We take the time to identify your risk tolerance and financial objectives. Whether you’re preparing for retirement or managing inherited wealth, your portfolio reflects both your comfort level and your future vision.
Asset Allocation
We design a diversified mix of investments across asset classes, industries, and geographies. Each allocation balances opportunity and protection, blending stocks, bonds, and other assets to align with your personalized financial plan.
*Neither Asset Allocation nor Diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.
Quality Investments
Our portfolios focus on high-quality, cost-efficient investments built for lasting growth and stability. We prioritize institutional-class and index-based funds that help reduce unnecessary fees, enhance diversification, and may potentially strengthen long-term returns for our clients.
Continuous Monitoring
Markets evolve, and your financial situation can too. That’s why we continuously monitor your portfolio throughout the year—making thoughtful adjustments and rebalancing when needed. Our proactive approach helps ensure your investments stay aligned with your goals, risk tolerance, and changing market conditions.
Why Professional Investment Management Matters
Even the best investors can let emotions or headlines influence decisions. Our disciplined process helps clients stay calm through volatility and focused on their goals.
Discipline & Risk Control
We provide perspective and structure—helping you avoid reactionary decisions like selling during downturns or overinvesting during rallies.
Experience & Research
Our advisors dedicate full-time attention to portfolio analysis, rebalancing, and economic trends so you don’t have to.
Fiduciary Oversight
As a
fiduciary investment management practice, Cremé Wealth operates without commissions or product incentives. Recommendations are designed solely to serve your best interests.
Performance & Transparency
Clarity builds confidence. Clients receive regular performance reviews, ongoing updates, and access to account information through independent custodians. We believe transparency and accountability are essential to long-term trust.
Whether you prefer detailed quarterly insights or a high-level overview, we ensure your investments stay on track and your strategy remains focused.
Frequently Asked Questions
What do you invest in?
We build diversified portfolios of stocks, bonds, and funds—tailored to your risk tolerance and goals. We don’t use proprietary products or commission-based investments.
Can you work with my 401(k)?
Yes. We can provide allocation advice for your employer-sponsored plan or help you decide when a rollover makes sense.
How often do you adjust my portfolio?
We monitor performance regularly and rebalance as needed—typically when allocations drift or your life circumstances change.
Do you offer customized investment options
Yes. We build personalized portfolios based on your goals, risk tolerance, and timeline, using diversified, non-commission investments and adjusting as your needs change.