Allocation Built Around Your Situation
Time horizon, tax situation, income needs, risk tolerance. The portfolio is built from those inputs, not a one-size model.
Investment Management Boca Raton
What Our Boca Raton Investment Managers Cover
Boca Raton households come to investment management with a specific starting point. Most clients here are corporate executives, pre-retirees, or technology leaders carrying real concentration in employer equity, RSUs, or deferred comp. That profile shapes the whole portfolio, from the sector tilt down to the tax lot work on each quarterly rebalance.
Boca Raton households also sit near the senior of the federal household-income distribution, with the Census Bureau recording a median household income of $106,273. At that tier, tax-sensitive investing and disciplined asset allocation drive the biggest after-tax outcomes, which is why those mechanics show up throughout the portfolio work below.
Portfolio Construction For Concentrated Executive Equity
The Boca Raton profile is weighted toward corporate execs, tech leaders, and pre-retirees. Think Royal Palm Yacht and Country Club, St. Andrews, and the enclaves near Mizner Park.
Portfolio construction starts with a concentration screen. When an executive holds more than 15% of investable assets in a single stock, we underweight that specific sector and factor profile in the core model. Pre-retirees transitioning off a corporate payroll typically run a 60% equity, 40% fixed income baseline.
For the actual unwind, we use SEC Rule 10b5-1 trading plans . Those plans schedule sales across pre-set quarterly windows. The concentrated position gets diversified over multiple fiscal quarters.
Tax-Aware Execution And Asset Location
Taxable execution in Boca Raton has to deal with highest-bracket federal rates and the 3.8% Net Investment Income Tax under Internal Revenue Code Section 1411 . Direct indexing is the operational engine when the taxable portfolio tops $500,000. Owning the individual stocks instead of a commingled index fund lets us harvest micro-losses throughout the year.
Direct indexing systems scan daily. When a single lot shows an unrealized loss over 5%, the lot gets sold and replaced with a correlated proxy. The replacement keeps style exposure intact without tripping the 30-day IRS wash-sale rule under Internal Revenue Code Section 1091.
Assets route across three sleeves by tax treatment. Taxable brokerage holds the direct-indexed equities plus Florida muni bonds exempt under IRC §103. Traditional IRAs hold high-coupon corporate credit, CMBS, and REITs.
Independent Custody vs Wirehouse Models
Boca Raton has wirehouses up and down Federal Highway running proprietary structured products, bundled managed accounts, and products with hidden platform fees. The fees come from the products, not just from the advisor.
Intercoastal Wealth takes a different path. Portfolios clear through a major independent custodian via J.W. Cole Financial. There's no in-house product menu.
Discretionary authority lets us trade when drift or tax-loss triggers hit, without a phone call for every routine action. Rebalancing typically follows an absolute corridor: when an asset class drifts more than 5% absolute (or 20% relative) from target, we reallocate strictly back to target.
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