North Capital
315 Montgomery Street
Suite 900
San Francisco, CA 94104
We look forward to speaking with you!
Financial Planning and Investment Management
North Capital will develop a comprehensive investment plan based on your individual objectives, constraints and special circumstances. Whether you are planning for retirement, saving for college, or just trying to earn a reasonable, after-tax return on your investments, North Capital can help you to achieve your goals.
North Capital's investment process for individual investors is underpinned by four enduring principles:
Broad diversification- A systematic "open architecture" approach to investment selection
- Low costs
- Tax efficiency
Improve Diversification
- Is your investment portfolio diversified?
- Are you diversified across risk types as well as by asset class?
Diversification has been called the only free lunch in investing, because the risk reducing benefit of diversification is a matter of fact, grounded in mathematics and statistics.
North Capital considers an expansive view of asset classes and may incorporate alternative strategies such as commodities, foreign currency, real estate, and other forms of non-traditional beta. Beyond asset classes, North Capital diversifies exposure of other types, such as asset type, geographic market, fund and manager.
But diversification is not just about risk reduction, it's about realizing opportunity. Investment research conducted over several decades suggests that the vast majority of returns available from investing can be captured through asset allocation. North Capital incorporates this research into our portfolio construction process, maintaining strategic exposure to a broad array of asset classes rather than attempting to pick winners and losers.
Open Architecture
Open architecture means more options for investors. North Capital is an independent, Fee-Only investment advisor with no bank, brokerage or insurance company affiliation. North Capital does not charge and will not accept any brokerage commission, trailer or compensation of any kind for selling a particular fund or product.
This independence ensures that North Capital's interests are aligned with yours; our sole focus is to provide investment solutions that meet your needs, which may include index funds, diversified mutual funds, separately managed accounts, futures, ETF's or other securities.
Beyond the freedom to choose from a wide range of investment alternatives, North Capital utilizes a systematic approach in selecting investments and managers. We search for persistent sources of alpha rather than for managers with a "hot hand," since today's top performers often underperform in subsequent years.
When we identify an opportunity to add value to a portfolio, we look for alternative ways to implement the idea more cheaply, with more liquidity and less risk. Because we are not locked into a proprietary platform North Capital can offer a broad array of solutions across products and markets to help you acheive your financial goals.
Manage Transaction Costs
Costs are a drag on portfolio returns. Active management fees are often four or more times the cost of index funds or ETF's, yet most active managers perform worse than their benchmark index.
So what are investors paying for?
North Capital considers the impact of transaction costs, management fees and other expenses in determining which investments to select. Low-cost, highly-diversified investments such as Vanguard index funds, iShares ETF's, and index futures form the core of our portfolio strategies.
If we don't think we can offer value that is significantly greater than the cost of our services, we will advise you accordingly. This is our commitment as a fiduciary.
Reduce Tax Drag
Tax-efficiency is perhaps the most important benefit that an advisor should bring to the management of a client’s portfolio. The importance of tax planning and mitigation strategies has never been greater than it is today.
Taxable investors do have effective methods for deferring or reducing investment and estate taxes, but many individuals pay only cursory attention to the tax-efficiency of their overall investment strategy. North Capital will help you take advantage of the benefits that are available to you without any gimmicks or high-risk strategies.
We look forward to meeting your financial needs.
Please be aware that North Capital has a portfolio minimum of $50,000 to accept inquiries through this directory.
