We Provide Investment Management That Builds Low-Risk, Diversified Portfolios, Fully Integrated With Your Financial Plan
We Operate With Integrity and Independence
To succeed in the investment management business, we have a well-defined philosophy, a disciplined process, and an unwavering focus on long-term client outcomes. Every strategy we deliver is backed by experience, analysis, and full alignment with your goals.
COMPLETELY INDEPENDENT
We are a fully independent Registered Investment Advisor (RIA) regulated by the U.S. Securities and Exchange Commission. We are not affiliated with any brokerage firm, product platform, or sales network.
FIDUCIARY
As fiduciaries, we are legally required, and personally committed, to act in your best interest at all times. Every recommendation is made with transparency, and no decision is ever driven by commissions.
CUSTODIAN
We utilize Charles Schwab & Company as our primary custodian. Charles Schwab is one of the largest and best capitalized financial institutions in the country.
Our Investment Management Process
We take a disciplined, transparent approach that integrates your financial goals with cost control, tax awareness, and clear communication.
ONE
Discovery & Planning
You complete our secure Discovery Form via PreciseFP. Then we hold a phone or in-person consultation to understand your financial goals, priorities, and risk tolerance.
TWO
Strategy & Education
We walk you through a visual explanation of our investment philosophy, emphasizing three core principles:
- Know What We Own: Our investment management team believes in knowing what we own. We have a direct connection with all the investments in our client's portfolios.
- Contain Costs: As fiduciaries, we minimize trading expenses, embedded investment costs, and advisory fees.
- Tax-Efficient Investing & Distribution: We design your portfolio with your tax situation in mind, from fund selection to cash flow timing.
THREE
Onboarding
Through PreciseFP, we initiate onboarding, then send a personalized summary within 24 hours. This includes a secure Google Drive link to upload documents like statements and a voided check.
FOUR
Ongoing Organization & Oversight
After signing your advisory agreement, we provide your Financial Life Organizer, a central hub to view, track, and manage your investments and planning progress.
What Is Investment Management
Investment Management is the process of designing, implementing, and overseeing a portfolio of assets, such as stocks, bonds, and funds, with the goal of helping you achieve your specific financial objectives. It includes choosing the right mix of investments, actively monitoring performance, managing risk exposure, and making adjustments over time based on market shifts and personal milestones.
What Your Investment Advisor Actually Does
Your Investment Advisor at Boyce & Associates does take full responsibility for aligning your portfolio with your financial plan, managing risk, and helping you stay on track through every stage of life. Specifically, we:
- Develop a personalized investment strategy based on your financial goals, risk tolerance, time horizon, and tax situation.
- Select appropriate, diversified investments, avoiding unnecessary risk or complexity.
- Monitor performance and risk exposure on an ongoing basis, making adjustments when markets shift or your goals evolve.
- Coordinate with your broader financial plan to ensure your investments support retirement, income needs, tax planning, and legacy objectives.
- Communicate regularly and clearly so you always understand what’s happening in your portfolio and why.
As fiduciaries, we’re legally and ethically bound to act in your best interest, every recommendation we make is guided by transparency, discipline, and a deep understanding of your financial life.
What Sets Our Investment Management Apart
At Boyce & Associates, we approach investment management with the belief that your money deserves more than generic advice or risky bets. Here’s what makes our process different—and why it works:
We focus on preserving your capital while pursuing steady, long-term growth. Our approach avoids speculation and instead relies on time-tested strategies tailored to your financial goals.
We only invest in fully transparent, liquid assets that you, and we understand.
We provide regular updates and direct access to your advisor when questions arise.
You’ll always know what you’re being charged, how it’s calculated, and what you’re receiving in return.
As fiduciaries, we’re legally and ethically committed to putting your interests ahead of our own. Every decision we make is designed to serve your financial wellbeing.
You remain in full control. We discuss every major portfolio adjustment with you in advance and explain the reasoning behind it.
How We Charge for Investment Management
We charge an annual advisory fee that is a percentage of the assets you entrust to us to manage. Our firm does not accept commissions, referral fees, or compensation from product providers of any kind.
Our standard fee ranges from 0.50% to 1.00% per year, depending on the size and complexity of your account. Larger portfolios may qualify for tiered or reduced rates.
Your advisory fee covers all aspects of our investment management service, including:
Custom portfolio construction and active oversight
Tax-efficient rebalancing and income strategies
Ongoing performance monitoring and reporting
Coordination with your broader financial and estate plans
Direct access to your advisor for regular updates and on-demand support
We provide clear, upfront documentation of fees before any account is opened, and we never implement changes or charges without your full awareness and consent.
Rebalancing/Reallocating can entail transaction costs and tax consequences that should be considered when determining a rebalancing/reallocation strategy.
Who Investment Management is For
We work with individuals and families who need more than basic investment advice. Our service is best suited for people navigating critical financial decisions, such as:
Business Owners
If you're preparing to sell or exit your business, we help you transition proceeds into a conservative, tax-efficient investment strategy that protects your wealth, replaces income, and funds your next chapter.
High-Income Earners
For high-income earners with limited time, we create tax-aware, goal-aligned portfolios that grow your wealth efficiently while integrating with stock compensation, retirement planning, and long-term objectives.
Pre-Retirees (Ages 50–65)
If retirement is on the horizon, we help position your portfolio for reliable income, lower volatility, and smart distribution strategies to support your lifestyle without unexpected financial shocks.
Retirees Managing Withdrawal Strategy
You’ve already retired and are drawing from investments. You need disciplined risk management and smart distribution planning to ensure your money lasts—and reacts well to market shifts.
Women Managing Financial Life
If you’re adjusting to life after divorce or widowhood, we help you take control of your finances with guidance and portfolio that makes you feel confident about managing and growing your assets moving forward.
Affluent Families
If you're managing complex financial priorities, we bring everything into one coordinated strategy: balancing investments, taxes, college funding, charitable giving, and estate planning.
Let’s Talk About What You Want Your Money to Do
If you’re looking for a steady, transparent approach to investing, with a real person to guide you, we’re ready when you are.
Tax/Legal Disclosure
Boyce & Associates Wealth Consulting does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.