Asset Allocation and Portfolio Management


Balancing the risk and reward between investments helps you achieve your real-life financial goals.

Proper Asset Allocation

Asset allocation and portfolio management provides you and your loved ones many benefits:

  • An appropriate mix of investments for your unique situation
  • Opportunity to achieve good investment returns
  • Smaller chance of short-term losses
  • Ongoing maintenance that reduces worry & stress

The Stats about Asset Allocation

Asset allocation
SP500 returns
Morningstar investor
DALBAR 2023 investor

More than 90% of the variability of an investment portfolio is due to asset allocation. The average return for the SP500 index of equities is around 10% per year. In survey after survey, individual investors underperform their own investments. Morningstar’s annual study, Mind the Gap, says investors underperform by an average of 1.7% per year. In another recent survey from DALBAR, investors underperformed their own investments by 2.8% or more! How can that be?

Sources updated January, 2024.

An Academic Approach to Asset Allocation

Carefully set your long-term investment objectives. Then, plan your investments. Determine your time horizon and risk approach. Build your investment portfolio. The first step in this process is asset allocation. 

Asset allocation is the process of deciding how much of your portfolio to invest in different investment types, or asset classes. The most basic asset allocation choice is between equities and fixed income, also known as stocks and bonds. A proper asset allocation may include short-term investments, foreign equities and bonds, and alternative assets. The assets you invest in have a large effect on your long-term, total return.

Investment Strategies

Once you have determined your asset allocation, the next step is to select the investment strategies. Our investment philosophy document describes how those investment management decisions are made, the processes, and the people behind the scenes. Your investment team will manage the risk and return, periodically rebalance these investments, and keep your money invested in alignment with your goals and values. 

We Build an Investment Portfolio for You

You are now ready to build a diversified, high-conviction portfolio based on your individual goals and needs. To do this, we use the latest in academic investment research and the work of outside research teams. Ask your financial advisor for more information or download our investment philosophy.

To Get Started

Begin with:

Client Stories

Client stories included on this website reflect hypothetical client situations that represent
those commonly encountered by AIWM representatives, they do not reflect actual client relationships.
Grandma’s College Fund
Surprise from a Family Steward

As Helen approached her 90s, she knew her money would outlast her life on earth. Her oldest grandchildren were having children. Her youngest grandchildren were approaching college age. Helen wanted to provide them a college education, and she didn’t mind saving taxes either. But she wanted to do something fair to help all the different generations, and also give a little more to those who needed a little more. We:

Discussed fairness, and what it means to Helen, and helped her feel confident in her decision
Set up education accounts and trusts
Funded them in a manner that helped Helen save on taxes
Kept things simple and elegant
Managed the assets prudently

Helen recently passed away. She is remembered by her family for her elegance, prudence and generosity. Her children, grandchildren and great-grandchildren are all a little better off, financially and otherwise, because of her good decisions.

Uncle James passed away a few years after becoming our client. Because James never had children, he left the assets in trust for his three nieces. While the children grew up, we managed the investments and their father kept their inheritance a secret. When they were college-bound, James’ nieces received a pleasant surprise—college was free, thanks to Uncle James! We:

Set up and help James fund the trusts, making it easy for James
Managed the investments prudently with Uncle James’ goals in mind, making it easy for the trustee
Managed and reduced tax costs

The accounts continued to grow, even after paying for college. James’ oldest niece was able to pay for a wedding and make a down payment on her first home. Uncle James’ generosity will be forever remembered by this family.

Some Investment Services We Provide

Asset Allocation and Portfolio Management

Balance the risk and reward between investments to achieve your real-life financial goals.
Read More

Stock and Mutual Fund Investments

We build high-quality, actively-managed equity portfolios using academically-proven techniques.
Read More

Bonds and Fixed Income Investments

Learn how our team makes recommendations for the portfolio we call “Foundation Income.”
Read More

Stock Option Planning

Learn about how we manage incentive stock options and nonqualified stock options to help you grow and protect your wealth, reduce your taxes, and achieve your personal goals.
Read More

Single Stock Diversification

Learn how we build an investment portfolio around your large equity position and help you diversify—not double-down (or worse) your risk.
Read More

Hedging Strategies and Alternatives

Learn how we carefully select some alternative investments to provide income and growth for some clients.
Read More

Investment Performance Analysis

Learn how we perform investment performance analysis and provide our clients access to this information, on demand, with great technology.
Read More

IRAs: Roth, Rollover, Inherited and More

Learn how we solve the complex problem of providing retirement income and reducing income taxes.
Read More

401k Advice for Individuals and Businesses

How we provide retirement plan advice for our clients 401k accounts, and for employers who want to provide advice to their employees.
Read More

Annuities of All Kinds

An annuity may provide you a safe and prudent retirement income. We have independent, expert annuity agents with a huge array of providers to choose from.
Read More

Values Based Investments

Learn how we enable our diverse clients to invest with their values.
Read More

Latest News

Read All News

Talk with an Expert

An initial conversation is always complimentary. We are often told that our discovery process is the best conversation about money a person has ever had.

Contact Us

Attend an upcoming event

We offer a broad array of events that broaden our knowledge and experiences.

View All Events

How can we help?

Chat in-person during regular business hours or fill out the form!

    Independent financial advisors

    Our financial advisors can meet with you at our Lone Tree office or any location in the greater Denver area including Greenwood Village, Littleton, Centennial or Englewood.

    Denver | Englewood | Greenwood Village | Littleton | Lone Tree | Centennial