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 Sunrise
How Our Investment Managers Approach Sunrise Portfolios
Sunrise concentrates households around Sawgrass International Corporate Park. Corporate regional managers, technology directors, and finance officers dominate the client file. Each receives meaningful compensation in RSUs and employer stock options. The portfolio's main job is to systematically diversify those vesting grants without letting single-stock risk pile up.
Sunrise also sits near the senior of the US household-income distribution, with the Census Bureau recording a median household income of $77,652. That corporate-employee profile with RSU-heavy compensation drives the programmatic vest-and-sell diversification, sector underweighting overlay, and 65-75% equity core that the mechanics below detail.
Corporate Equity Diversification Across Executive RSU Schedules
Sunrise has corporate commerce corridors and residential communities like Artesia and Savannah, adjacent to Sawgrass International Corporate Park and the Amerant Bank Arena. The Census shows a population of 98,846, a median household income of $77,652, and 16.0% of residents age 65 or older. The Federal Reserve Survey of Consumer Finances documents concentrations of corporate regional managers, technology directors, and finance officers.
A portfolio design for this profile isolates single-stock risk by systematically diversifying corporate compensation. Vested RSU programmatic liquidation automatically executes sales of vesting restricted stock upon share release. Equity grants get treated as cash compensation.
A sector underweighting overlay systematically underweights the executive's employer industry sector across broad equity allocations, preventing double exposure to corporate downturns. The core portfolio deploys 65-75% global equities and 25-35% intermediate fixed income. Rebalancing triggers on relative 15% corridor bands.
RSU Vesting Coordination And Multi-Tier Asset Location
Sunrise tax management focuses on multi-account asset location across corporate 401(k) plans, taxable brokerage, and Roth IRAs. The IRS Statistics of Income shows corporate executives face material ordinary income spikes in heavy RSU vesting years. The Census shows an effective property tax rate of 0.76% and median home values supporting ongoing capital accumulation.
Taxable brokerage holds broad-market low-turnover index ETFs. Qualified dividend treatment applies under IRC §1(h). Lot accounting runs under Specific Identification.
Asset location directs high-growth equity components into Roth IRAs and HSAs for tax-free compounding. Taxable brokerage holds low-turnover broad-market ETFs, keeping dividend distributions qualified under IRC §1(h). Tax-loss harvesting runs on a monthly review.
Discretionary Execution vs Retail Product Platforms
The Sunrise financial marketplace has retail bank branches, corporate benefit brokerages, and insurance agencies along Sunrise Boulevard and the Sawgrass Expressway. They frequently support high-commission annuities, proprietary packaged mutual funds, or wrap-fee products with embedded administration layers.
Intercoastal Wealth clears through an independent custodial arrangement via J.W. Cole Financial, through Charles Schwab or Fidelity. FINRA BrokerCheck and SEC Form ADV disclosure records demonstrate that an independent fee-based framework eliminates proprietary fund requirements, transaction loads, and captive distribution relationships.
Discretionary authority lets us adjust the portfolio as economic indicators and market signals shift without a phone call for every routine action. Every quarter you get a written investment report with net performance against a personalized composite benchmark, allocation drift versus policy, full disclosure of management fees deducted by the custodian. Detailed realized capital gain-and-loss reports for tax accounting.
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