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 Davie
What Our Davie Investment Managers Cover
Davie's household base runs heavily toward Nova Southeastern University faculty, medical professionals, and acreage property owners. Many households run 403(b), 457(b), and 401(a) accounts concurrently with taxable savings. The portfolio has to coordinate all of them without redundant fund expense.
Davie also sits near the senior of the US household-income distribution, with the Census Bureau recording a median household income of $87,250. That professional-faculty profile combined with multi-plan availability drives the institutional share class selection, Specific-ID lot accounting, and quarterly loss harvesting that the mechanics below walk through.
Academic And Healthcare Institutional Benefit Allocation
Davie has equestrian acreage properties, residential developments like Long Lake Ranches and Forest Ridge, and the academic hub of Nova Southeastern University. The Census shows a population of 110,851, a median household income of $87,250, and 14.6% of residents age 65 or older. The Federal Reserve Survey of Consumer Finances profiles households here as academic faculty, medical professionals, and acreage property owners.
A portfolio approach for this profile integrates multiple institutional retirement accounts with personal investments. Public equities (65-75%) deploy across broad-market domestic and international developed index funds, maintaining liquid public holdings to counterbalance non-liquid equestrian and residential land.
Institutional plan integration coordinates asset choices across 403(b), 457(b), and 401(a) plans, selecting low-cost index options to fulfill core equity and fixed-income targets while avoiding redundant fund expenses. Fixed income (25-35%) uses intermediate U.S. Treasuries and investment-grade corporate bonds for portfolio stability during equity contractions.
Multi-Plan Tax Location And Systematic Lot Accounting
Davie tax management addresses the complexities of concurrent contributions to taxable brokerage, institutional 403(b) and 457(b) plans, and Roth IRAs. The IRS Statistics of Income shows medical practitioners and university administrators regularly face higher marginal brackets, making precise asset location essential. The Census shows a 1.00% effective property tax rate and material real estate commitments.
Taxable brokerage holds broad-market index ETFs and direct indexing under Specific Identification lot accounting with HIFO sales. Employer 403(b) and 457(b) plans hold institutional bond index funds and Treasuries, deferring ordinary income coupon yields with institutional expense ratios. Roth IRAs and HSAs hold small-cap value and factor equities for tax-free compounding across career horizons.
Asset location places fixed-income allocations inside employer 403(b) and 457(b) plans to defer taxes on ordinary coupon income. Taxable accounts hold low-turnover broad-market equity ETFs and direct-indexed accounts under Specific Identification. Tax-loss harvesting scans run quarterly, capturing losses over $1,000 and redeploying into non-substantially identical index proxies.
Fee-Based Execution vs Captive Institutional Vendors
The Davie financial services marketplace is heavily targeted by university retirement plan vendors, retail brokerage desks, and insurance agencies along University Drive. They frequently support high-fee variable annuity options within non-profit plans, proprietary wrap accounts, or commission-based investment products that obscure underlying transaction costs.
Intercoastal Wealth clears through an independent custodial arrangement via J.W. Cole Financial, through Charles Schwab or Fidelity. FINRA BrokerCheck and SEC Investment Adviser Public Disclosure records confirm that independent fee-based advisors maintain open-architecture access to the entire market, eliminating vendor revenue sharing and captive product limitations.
Discretionary authority runs under a written Investment Policy Statement, permitting immediate rebalancing across household accounts as market opportunities arise. Every quarter you get a written portfolio performance summary with net returns against composite benchmarks, asset class drift metrics, itemized management fees deducted by the custodian, and realized capital gain-and-loss reports.
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