A smarter portfolio, designed for optimal performance.
If you are ready to roll over your 401k/403b from a previous employer, open your first investment account, or complete a direct transfer of your IRA from another provider, click here to get started and you will be taken to our calendar page where you can schedule your free investment consultation.
Should you need any help along the way, please contact us here. Once you complete the account opening process, we will reach out to you shortly to complete your customized portfolio design process tailored to your unique goals.
We proudly offer portfolios from Betterment Institutional, Vanguard, and Goldman Sachs Asset Management.
Special Announcement: We now offer Socially Responsible Investing (SRI)
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Our portfolio: global diversification, maximum efficiency
Building on decades of Nobel Prize winning research, our portfolio is maximally diversified, and comprises low-cost, liquid, index-tracking, exchange-traded funds, or ETFs. We use tax-efficient algorithms and automate optimal behavior to maximize your ability to grow your money.
An optimal allocation tailored for you
When you deposit money, every dollar is seamlessly invested in up to 12 different asset classes, optimized for your selected asset allocation. Stock and bond ETFs are optimally weighted to provide a progressively increasing amount of risk and potential return.
Our portfolio includes stock ETFs that efficiently capture the broad U.S. stock market, and international developed and emerging markets. Your money is invested in literally thousands of companies instantly. Exactly how much of your portfolio is made up of which stocks depends on the exact allocation you choose. Our stock ETFs include:
US Total Stock Market
Vanguard U.S.Total Stock Market Index ETF (VTI)
US Large-Cap Value Stocks
Vanguard US Large-Cap Value Index ETF (VTV)
US Mid-Cap Value Stocks
Vanguard US Mid-Cap Value Index ETF (VOE)
US Small-Cap Value Stocks
Vanguard US Small-Cap Value Index ETF (VBR)
International Developed Stocks
Vanguard FTSE Developed Market Index ETF (VEA)
Emerging Market Stocks
Vanguard FTSE Emerging Index ETF (VWO)
Our portfolio includes bond ETFs that allow us to precisely manage the level of risk at every allocation, and improve the risk-adjusted performance of the portfolio at higher risk levels. The exact amounts of each bond ETF will depend on the allocation you choose. Our bond ETFs include:
iShares Short-Term Treasury Bond Index ETF (SHV)
• Inflation Protected Bonds
Vanguard Short-term Inflation-ProtectedTreasury Bond Index ETF (VTIP)
• US High Quality Bonds (IRA accounts) Vanguard USTotal Bond Market Index ETF (BND)
• National Municipal Bonds (Taxable accounts) iShares National AMT-Free Muni Bond Index ETF (MUB)
• US Corporate Bonds
iShares Corporate Bond Index ETF (LQD)
• International Developed Bonds Vanguard Total International Bond Index ETF (BNDX)
• Emerging Market Bonds
Vanguard Emerging Markets Government Bond Index ETF (VWOB)
Why these stock ETFs?
Our U.S. exposure covers the total U.S. market with a slight tilt towards value and small-cap stocks. The value and small-cap tilt has tended to beat the market in the long term, based on research by Nobel-prize winner Eugene Fama and Kenneth French.
By adding international stocks, we benefit from growth overseas in developed markets, including the U.K., Japan, and Europe, and achieve the same expected return with lower risk. With the emerging market stock ETF, we can capture growth in small but expanding markets such as Brazil, India, and China. This further diversifies our portfolio, and means we can reach higher expected return levels, especially at higher risk allocations.
Why these bond ETFs?
These bonds ETFs allow us to choose a precise level of risk, and then get the best possible return at that level of risk by balancing four different growth factors: U.S. interest rate risk, U.S. company credit risk, international interest rate risk, and international credit risk. When applicable, we also consider the after-tax benefits of allocating to federally tax-exempt municipal bonds.
Taking on a higher exposure to any of these factors means higher expected returns, with higher potential for short- term losses. However, by blending them together intelligently, we can maintain the return level and reduce the severity of losses.
In addition to the above portfolio example, we proudly offer Vanguard and Goldman Sachs Asset Management portfolios for your investing and retirement needs.
If you have any questions about opening your investment account or would like to further discuss our investment advisory services, please contact us here. If you are ready to get started with investing, click here to get started and open up your account today.
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KIS Financial Planning, LLC its owners, officers, directors, employees, subsidiaries, service providers, content providers and third-party affiliates (referred to as "KISFP") not licensed to sell securities or investments. None of the information provided is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement, of any company, security, fund, or other securities or non-securities offering.The information should not be relied upon for purposes of transacting securities or other investments.Your use of the information is at your sole risk.The content is provided 'as is' and without warranties, either expressed or implied. KISFP does not promise or guarantee any income or particular result from your use of the information contained herein. Under no circumstances will KIS Financial Planning, LLC be liable for any loss or damage caused by your reliance on the information contained herein. It is your responsibility to evaluate any information, opinion, or other content contained. Please seek the advice of professionals regarding the evaluation of any specific content. Information in this brochure should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.