Investment Management at Petrichor Wealth Management

How much does investment management cost at Petrichor Wealth Management?

Investment management fees typically range from 0.75% to 1.25% of assets under management annually, with the exact fee depending on portfolio size and complexity. This fee covers portfolio design, ongoing management, rebalancing, performance monitoring, and regular reviews. There are no commissions or transaction fees beyond the management fee, ensuring our interests are aligned with yours. Minimum account sizes may apply, and we'll discuss fee structure transparently during your initial consultation.

How often will you review and rebalance my portfolio?

We conduct formal portfolio reviews quarterly to assess performance, evaluate asset allocation, and ensure alignment with your goals. Rebalancing occurs as needed—typically when allocations drift 5% or more from target levels, though we may rebalance more frequently during periods of market volatility. You'll receive quarterly performance reports and have access to your portfolio online 24/7. We also proactively reach out when significant market events or changes in your personal situation warrant portfolio adjustments.

What should I expect during my first meeting with Petrichor Wealth Management?

Your initial consultation focuses on understanding your complete financial picture: current assets, income, expenses, existing investments, financial goals, time horizon, and risk tolerance. We'll discuss your investment experience, comfort with market volatility, and what keeps you up at night financially. This meeting typically lasts 60-90 minutes and involves no obligation. Based on this discovery process, we'll determine if our services are a good fit and, if so, develop a preliminary investment strategy recommendation tailored to your situation.

Who is investment management best suited for?

Our investment management services work best for individuals and families with investable assets of $250,000 or more who want professional oversight of their portfolios. Ideal clients include those approaching or in retirement who need income-focused strategies, busy professionals who lack time to manage investments themselves, individuals who've experienced a liquidity event, or anyone seeking comprehensive wealth management beyond basic robo-advisor services. We serve clients who value personalized advice and ongoing relationship over set-it-and-forget-it investing.

What types of investments do you use in client portfolios?

We construct portfolios using a diversified mix of low-cost ETFs, mutual funds, individual bonds, and alternative investments appropriate to your strategy. Asset classes typically include domestic and international equities, fixed income, real estate investment trusts, and potentially alternative assets for qualified investors. We prioritize tax efficiency, using municipal bonds for taxable accounts when appropriate and coordinating investments across all your accounts. We avoid proprietary products and don't receive commissions, ensuring objective investment selection based solely on what serves your best interests.

How do you manage risk in investment portfolios?

Risk management begins with understanding your personal risk tolerance and capacity through detailed assessment. We design asset allocations that balance growth potential with downside protection appropriate to your timeline and comfort level. Diversification across asset classes, geographies, and sectors reduces concentration risk. Disciplined rebalancing controls risk by systematically selling appreciated assets and buying undervalued ones. For clients nearing retirement, we may implement bond ladders or bucket strategies to protect near-term income needs while maintaining growth potential for long-term assets.

What makes Petrichor's investment approach different from robo-advisors or doing it myself?

Unlike algorithm-driven robo-advisors, we provide personalized strategies that consider your complete financial picture—tax situation, estate planning, retirement income needs, and life goals beyond simple risk scores. Our advisors bring behavioral coaching during market volatility, helping you avoid emotional decisions that derail long-term plans. We coordinate investment strategy with tax planning, insurance, and estate considerations for holistic wealth management. You also gain access to our expertise for life's financial questions, from education funding to business succession, creating an integrated approach that standalone investment platforms cannot provide.

How long before I see results from professional investment management?

Investment management is a long-term discipline, not a short-term performance game. While you'll see immediate benefits like proper diversification, tax efficiency, and peace of mind, meaningful wealth accumulation typically unfolds over years and decades. Most clients notice the value within the first year through improved organization, clearer goals, and confidence in their strategy. The true benefits—compounding returns, behavioral discipline during downturns, tax savings, and achieving financial milestones—become most apparent over multi-year periods. We focus on process and discipline rather than chasing short-term returns.