LitchfieldFinancial
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Services
Investment Management
We’ll create a customized investment portfolio with your objectives in mind. We manage all types of investment accounts from taxable (trusts, brokerage, joint, individual, custodian and more) to retirement (401(k)’s, 403(b)’s, IRA’s, Roth, and more). Some of the main considerations are your age, risk, time horizon, concentrated positions, diversification, cost, overall investment philosophy and social impact preferences.
A disciplined, personalized approach to portfolio management
Cookie-cutter model portfolios ignore what makes your situation unique. As an independent wealth management practice headquartered in Boston, we build every investment portfolio around your goals, risk tolerance, time horizon, tax situation, and cash-flow needs — never around a product someone is trying to sell you. Litchfield Financial provides investment advisory services through Claro Advisors, an SEC-registered investment advisor, so the advice you receive is built around your interests.
Your portfolio is grounded in disciplined asset allocation across stocks, bonds, and other asset classes, diversified across sectors, geographies, and investment styles. We revisit that allocation as markets move and as your life changes, and we rebalance when your holdings drift from their targets — so your portfolio keeps reflecting the plan, not last year’s market.
Tax-efficient investing across every account type
We manage the full range of account registrations: individual and joint brokerage accounts, revocable and irrevocable trusts, custodial accounts, 401(k)s, 403(b)s, traditional and Roth IRAs, SEP and SIMPLE IRAs, and inherited retirement accounts.
Asset location matters nearly as much as asset allocation. We aim to hold tax-inefficient investments inside tax-advantaged accounts, harvest losses where appropriate, and manage the timing of capital gains — all with the goal of keeping more of your return working for you instead of going to taxes.
Concentrated positions and equity compensation
Executives and employees of public and pre-IPO companies often hold concentrated stock positions through RSUs, incentive stock options, non-qualified options, and ESPP shares. We help you weigh the risk of concentration against the tax cost of diversifying, then build a measured plan for reducing single-stock exposure over time — including 10b5-1 trading plans where appropriate.
We also incorporate your investment philosophy and social-impact preferences, so the portfolio you own is one you actually believe in.
FAQs
Investment Management questions, answered
We start with a discovery meeting to understand your goals, risk tolerance, time horizon, existing holdings, and tax situation. From there we design a customized asset allocation and implement it thoughtfully — often in stages — to manage the tax impact of transitioning existing positions.
Explore more services
Estate Planning & Asset ProtectionInheritanceManagement & MonitoringDivorceTax PlanningRetirement PlanningSelling a BusinessCash Flow AnalysisAlternative Investment OpportunitiesGeneral Financial Planning
Have a question about investment management?
Start with a complimentary 30-minute session. No obligation, just a conversation about your goals.
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