Investment Management, the Substance of Proven Success

Spiritus Financial was founded on the principle that peace of mind comes from having a long-term strategy that’s built on solid investment practices, not hype. We are a fee-only firm, specializing in long-term investment strategy. Our services include complete portfolio development, diversified asset allocation and performance measuring and monitoring.

Our goal is to help you build a strategic plan for the rest of your life and we achieve that goal in a non-flashy way – with discipline, reliability and honesty delivered with unmatched service.

And since we aren’t in the business of commission based advice, we can assure you that your investment strategies are driven by your goals and your risk tolerance, not the stock or mutual fund flavor of the month. As a fee-only firm, we are compensated directly by our clients and because we work in a fiduciary capacity, we always provide recommendations based on your best interest.

Invest in Service, Not Sales

Your needs are unique to you. We understand that, so we take the time to get to know who you are - your concerns, your ambitions, and your outlook and tolerance toward investing. We want to build a relationship with you for life. While most firms check in with you once a year at best, we work with you on an on-going basis, keeping you apprised of your investment progress with quarterly performance reports.

Investment Research

Our model portfolios are designed with a detailed research-based approach and are globally diversified to balance risk and return. Exchange-traded funds as well as index-funds are the primary investment vehicles due to their low-cost, better trading control, tax-friendliness and diversity.

Tax Efficiency

Stock market ups and downs are out of our control, but tax efficiency is what we do have control over and is a focus of ours at Spiritus Financial. By implementing relatively simple strategies such as 1) Placing the right investments in the right accounts, 2) Managing the turnover of the portfolio 3) Tax loss harvesting, and 4) Planning the timing of capital gains recognition, we can optimize the tax efficiency of your portfolio.