Evidence-Based Investment Strategy & Institutional Architecture

At Davies Wealth Management, we move beyond the "product of the month" model found at large brokerages. As a fee-only fiduciary, we provide a disciplined, evidence-based approach to investing that utilizes institutional-grade vehicles to prioritize your net returns.

Institutional Architecture: SMA & UMA Portfolios

For high-net-worth families and C-level executives, we utilize advanced account structures to provide greater transparency and control:

  • Separately Managed Accounts (SMA): Unlike mutual funds, you own the individual securities within an SMA. This allows for hyper-targeted Tax-Loss Harvesting and the ability to exclude specific stocks (essential for executives with concentrated employer equity).
  • Unified Managed Accounts (UMA): We streamline your financial life by consolidating multiple investment sleeves—including stocks, bonds, and SMAs—into a single account. This provides a holistic view of your Asset Allocation and simplifies complex reporting.

The Davies Investment Philosophy: 3 Core Pillars

  • Tax-Aware Management: In Florida, "what you keep" is the real benchmark. SMAs allow us to cherry-pick losses to offset gains, potentially adding significant "Tax Alpha" to your annual returns.
  • Low-Cost Institutional Access: We provide access to institutional-class funds and strategies typically reserved for large endowments, removing the heavy fee layers of retail products.
  • Evidence Over Emotions: Our portfolios are built on Modern Portfolio Theory and decades of academic research, ensuring your strategy is driven by data, not headlines.

Managing Wealth for Florida’s High-Net-Worth Corridors

Our utilization of UMAs is particularly beneficial for clients in Palm Beach Gardens and Jupiter who manage multiple income streams, trusts, and business interests. We coordinate these pieces into a singular, cohesive strategy that reduces overlapping risks.

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Investment Planning Services in Stuart, FL

Asset classes are broken into two categories — defensive and growth

  • Defensive assets have a lower potential rate of return over the long-term but are also generally less volatile and have less potential to lose value than growth assets.
  • Growth assets have the potential to earn a higher rate of return over the long-term but are also generally more volatile than defensive assets.

We assist to invest in the following asset classes:

Fixed interest & cash

Cash, short-term deposits and bonds.

Equities

Stocks and shares of ownership in a company.

Property

Investing in residential or commercial property.

Alternatives

Infrastructure, such as roads and airports, private equity investments.

Defensive Assets:

  • Government bonds (United States issued)
  • Corporate bonds (United States and international issued)
  • Cash and term deposits
  • Hybrid bonds
  • Mortgage-backed securities

Growth Assets:

  • Listed United States equities (shares)
  • Listed international equities
  • Property (inclusive of direct property)
  • Infrastructure (toll roads, airports, etc)
  • Commodities (agriculture, precious metals, energy etc)
  • Alternative assets (private equity, single or multiple trading strategies)
Investment Planning Advisors in Stuart, FL
Davies Wealth Management Asset Allocation

The Importance of Diversification

No asset class is free from risk. Using the different characteristics of each asset class in a balanced portfolio can help to smooth fluctuations in performance and balance risk.

To reduce the risk of losing capital when investing, you should diversify your investment portfolio. This means not putting all your eggs in the one basket.

Diversification can be implemented in three distinct ways by investing:

  • Across asset classes
  • Across markets and regions
  • Across investment management styles

As investment analyst, my goal has been to create a successful investment experience for our clients. As a result, we've been able to retain 98% of our clients. Thomas Davies CFS®

Constructing your portfolio

1
Finding out the risk profile

Determine an appropriate spilt of growth and defensive assets after assessing the client's need for capital preservation, risk tolerance and capital draw downs — also known as the client's risk profile.

2
Allocating the assets

Consider the client's income requirement and tax situation then select the most appropriate asset class allocation and investment style within those asset classes.

3
Selecting investments

Select investments using a "best of breed" professional money/fund manager approach.

The risk profile concept

Our risk profiles and splits between growth and defensive assets are:

  Growth Defensive
Conservative 20% 80%
Moderately conservative 40% 60%
Balanced 60% 40%
Growth 80% 20%
High Growth 100% 0%

Investment Planning Services

We are a leading independent wealth management firm offering financial and investment planning services. We are here to help you find the perfect investment strategy. We offer a variety of personalized investment strategies that can help you meet your goals for a long-term, safe and stable return on investment.

At Davies Wealth Management, our investment planning advisors help you create a clear and successful financial plan: including asset allocation, investment diversification, estate planning, and more!

What our investors say:

Testimonial Author 1

We have found Davies Wealth Management to be exactly what we have needed to manage our financial matters.

Dr Mitch and Meredith, Melbourne
Testimonial Author 2

They have been extremely helpful, and very practical, in their advice on Retirement, inheritance tax planning and investment strategies.

Helen P, Pre-Retiree
Testimonial Author 3

Just to say thank you for the time you obviously put into my strategies.

Jorge L, Self Funded Retiree
Testimonial Author 4

They listened to what I want to achieve for a retirement & have guided me towards a balanced investment plan.

Jason N, IT Professional

Areas Served

  • Palm Beach Gardens, FL
  • Jupiter, FL
  • Hobe Sound, FL
  • Stuart, FL
  • Palm City, FL
  • Palm Beach, FL
  • Parkland, FL
  • Weston, FL
  • Fort Lauderdale, FL
  • Jupiter Island, FL
  • Vero Beach, FL
  • Coral Gables, FL
  • Miami, FL

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