Investment Management
Personalized Financial Strategies
Client-Focused Investment Management
Strategic Planning for All Life Stages
Empower Your Decision Making
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What is the Norsu Investment Philosophy?
We subscribe to the theory that markets are largely efficient, quickly incorporating all publicly available information into stock prices. We view active investment strategies—such as stock picking or selecting actively managed funds—as generally ineffective in consistently outperforming the market over the long term. Moreover, active trading can generate higher transaction costs and tax liabilities, potentially diminishing returns.
Our investment strategy is based on Strategic Asset Allocation, which involves establishing and periodically rebalancing high-level targets across various asset classes to mirror our investment philosophy. We focus on constructing portfolios that represent a cross-section of the global economy, incorporating a diverse mix of domestic and international stocks and bonds, encompassing both mature and emerging markets of various sizes.
We advocate for a globally diversified portfolio that integrates thousands of companies across numerous countries. This portfolio strategy is tailored to align with your financial objectives, tax considerations, and any equity compensation plans, ensuring that you are positioned to achieve your desired financial future.
What Sets Norsu apart?
Unlike others in our field, Norsu takes a unique approach to investment management. We pride ourselves on being grounded, technologically savvy, and focused on the long term rather than being swayed by market sensationalism.
What truly distinguishes us is our comprehensive investment philosophy. We ensure that your investment strategy is harmonized with your tax planning, stock options, and your overall financial independence strategy. By coordinating these elements, we maximize the effectiveness of your financial plan.
How Do We Add Value?
Diversification and Risk Management
Our investment strategies are crafted to be globally diverse, tailored to match your risk preferences and investment horizon. We incorporate a variety of asset classes, including large and small companies, both domestically and internationally, and spanning emerging to developed markets, with a balanced mix of equities and bonds.
Low-Cost Investments
We focus on building portfolios predominantly with low-cost ETFs. These funds are chosen to avoid commissions and product sales fees, and they operate without transaction fees, thus helping preserve your potential returns.
Tax-Focused Investing
Our deep understanding of tax implications guides every investment decision we make. This comprehensive tax knowledge ensures seamless coordination between your financial planning and tax preparation, eliminating any disconnect between your financial advisor and accountant.
Tax Loss Harvesting
We proactively manage your portfolio to leverage market fluctuations, aiming to minimize tax impacts during portfolio adjustments and transitions. Studies have shown that this strategy can enhance your annual returns by 0.20% to 0.60%.
Asset Location
The first step is constructing a diversified portfolio; the second step is placing those assets in the most tax-efficient accounts. We optimize the location of assets like placing Emerging Markets in Roth accounts, U.S. Bonds in 401(k)s, and equities and Municipal Bonds in brokerage accounts. Research indicates this can increase your returns by as much as 0.75% annually.
Rebalancing
We maintain a diversified portfolio with assets that react differently to market conditions. As market dynamics cause shifts in your portfolio's asset allocation, we regularly rebalance, always considering the tax implications, which can potentially increase annual returns by 0.35% to 0.44% and mitigate risk.
Behavioral Management and Opportunity Cost
During volatile market periods or significant liquidity events, we ensure that decisions are guided by logic rather than emotion. We manage your investments with an eye on long-term market engagement, understanding that being in the market consistently is preferable to trying to time the market.
Customized Financial Planning Integration
We integrate your investment strategies with your broader financial goals, ensuring that every decision supports your overall life objectives. This tailored approach ensures that your financial strategies are fully aligned with your personal and financial aspirations, contributing positively to your long-term success.
Transparent Pricing
We believe in full transparency, which is why our investment management fees are clearly documented and easy to understand. Our fee structure is tiered based on the amount of assets managed and is fully disclosed upfront.
As a fee-only financial planning firm, we receive no commissions or hidden fees, ensuring that our recommendations are always in your best interests.
Working With Us Is Simple
Schedule an Intro Call
Find out if we're a good fit! If not, We'll help you find another fee-only planner or you're welcome to use our free resources!
Collaborate
We'll work together through a series of guided meetings to develop a personalized financial plan that works for you.
Enjoy the Journey
We work for you every step of the way! Breathe easy knowing your life, money, & values are aligned to reach your goals!
Meet Eric, Your Accredited Wealth Management Advisor™
Eric has a passion for working with clients, taking the time to get to know and understand your situation, then working to find the best solutions to your unique opportunities.
Eric is an Accredited Wealth Management Advisor™, a Certified Personal Retirement Specialist™, and completed his full Financial Planning Certificate Program at Northwestern University.
Prior to founding Norsu, Eric worked for over 20 years in IT. He uses his technology background and financial planning expertise to help automate and organize your financial life.
