We can more effectively capture the tax benefits of recognizing losses and more comprehensively tailor to the risk profile of the individual by often owning a large basket of diversified stocks instead of or as a compliment to ETFs or Index funds, but for similar fees. We allocate assets between taxable and tax-deferred accounts with the similar goal of lowering taxes. Finally, we recognize that each investor’s risk dynamic is unique and allocate across assets accordingly, including a full array of fixed income products. Over a 25 year career in financial services, we have managed our families’ wealth by being both disciplined and efficient in adhering to this approach. Low fees, optimal tax efficiency, and personalized diversification are the pillars from which we built our firm allowing us to maximize risk-adjusted returns.
Jonathan Seed, the Founder and President, began his career at Franklin Resources where he was an Assistant Portfolio Manager for their then quantitative asset arm, Franklin Asset Management Systems. There, he helped build value biased equity portfolios. After graduating with honors from the University of Chicago Booth School of Business, he began a 20 year career on Wall Street focused on fixed income, with an emphasis on structured products. He started in fixed income research before switching to institutional sales, leaving Credit Suisse as Managing Director in 2009 for RBS Securities and leaving the industry altogether in 2014, after which he started Seed Wealth Management, Inc., a Registered Investment Advisor incorporated in the state of Illinois.