“The stock market is a device for transferring money from the impatient to the patient” — Warren Buffet
Invest with Purpose, Not Predictions
At Suttle Crossland, we take a long-term, evidence-based approach to managing your investments. We don’t chase headlines, time the market, or sell products. Instead, we build globally diversified portfolios designed to support your goals, reduce risk, and grow wealth sustainably.
Our process is rooted in academic research and implemented using low-cost, tax-efficient investment vehicles — including institutional strategies from Dimensional Fund Advisors and Vanguard. Each portfolio is personalized to reflect your goals, timeline, risk tolerance, and broader financial plan.
Whether you’re in the wealth-building years, nearing retirement, or managing a complex financial life, our role is to bring clarity, discipline, and structure to your investment strategy — so you can focus on living your life, not watching the markets.
Our Investment Philosophy
Embrace Market Pricing
We believe the market is an efficient, real-time information system that rewards patient, long-term investors.
Avoid Market Timing
Predicting short-term movements isn’t a strategy — it’s speculation. We stay focused on what we can control.
Diversify Broadly
A global portfolio across asset classes, sectors, and regions helps reduce risk and smooth returns.
Focus on Drivers of Returns
We tilt portfolios toward well-documented sources of expected return — like small caps, value stocks, and higher profitability companies.
Keep Costs Low
Fees and taxes quietly erode returns. We build portfolios using low-cost, tax-efficient funds to keep more of your money working for you.
Stick to the Plan
Volatility is normal. A well-constructed plan — and a disciplined advisor — helps you avoid reactionary mistakes.
Built Around You
We start by understanding what matters most — your goals, concerns, timeline, income needs, and how you feel about risk. Whether you’re building wealth, nearing retirement, or managing a complex financial picture, we tailor your strategy to support your real-world priorities. This isn’t about fitting you into a model — it’s about designing a portfolio that fits you.
Structured for Long-Term Results
At Suttle Crossland, we take a long-term, evidence-based approach to managing your investments. We don’t chase headlines, time the market, or sell products. Instead, we build globally diversified portfolios designed to support your goals, reduce risk, and grow wealth sustainably.
Our process is rooted in academic research and implemented using low-cost, tax-efficient investment vehicles — including institutional strategies from Dimensional Fund Advisors and Vanguard. Each portfolio is personalized to reflect your goals, timeline, risk tolerance, and broader financial plan.
Whether you’re in the wealth-building years, nearing retirement, or managing a complex financial life, our role is to bring clarity, discipline, and structure to your investment strategy — so you can focus on living your life, not watching the markets.
Actively Monitored, Thoughtfully Managed
We don’t take a set-it-and-forget-it approach. Your portfolio is monitored regularly and rebalanced when it drifts beyond target — not on a rigid schedule, but when it matters. This helps manage risk, capture gains, and keep your strategy on track.
As your life changes — whether it’s a job shift, a windfall, or a move toward retirement — we make sure your investments adjust accordingly. Because we integrate investment management with financial planning, your portfolio evolves alongside your bigger picture.
We also look for tax-smart opportunities throughout the year, like loss harvesting and capital gain planning, so your money keeps working efficiently. Everything we do is intentional, aligned, and centered on your goals.
Frequently Asked Questions
At Suttle Crossland, we take a long-term, evidence-based approach grounded in decades of academic research — not speculation or trend-chasing. We don’t try to outguess the market, pick individual stocks, or react to headlines. Instead, we help you build a disciplined portfolio that reflects your goals, risk tolerance, and timeline — and we stick to the plan when emotions run high.
What truly sets us apart is how we integrate investment management into your broader financial life. We don’t just manage your assets — we coordinate them with your retirement strategy, tax plan, estate goals, and overall financial picture. That means your portfolio isn’t managed in a vacuum — it’s constantly aligned with your real-world needs.
We also act as behavioral coaches. One of our most important jobs is helping you avoid the common mistakes that derail investors — like chasing performance, trying to time the market, or abandoning a plan during periods of volatility. When markets get noisy, we help you stay grounded.
Finally, we’re a fee-only fiduciary. We don’t earn commissions or sell products. Our advice is transparent, objective, and always focused on what’s in your best interest.
We primarily use low-cost, diversified mutual funds and ETFs from firms like Dimensional Fund Advisors (DFA) and Vanguard — two of the most respected providers in evidence-based investing. These funds allow us to build portfolios that are globally diversified and designed to capture long-term market returns in a tax-efficient and cost-effective way.
We don’t chase performance or pick individual stocks. Instead, we structure portfolios around asset classes and factors that research has shown to drive long-term returns — including company size, relative valuation (value vs. growth), and profitability.
Every investment we use is selected based on how well it fits your overall strategy — not because of hidden fees, commissions, or incentives. And if you come to us with legacy holdings or concentrated positions, we’ll incorporate them thoughtfully, with careful attention to tax consequences and your goals.
We believe the best investment strategy is one that’s connected to your life — not just your risk tolerance. That’s why we typically include financial planning as part of the investment management relationship, at no additional cost.
This integrated approach means we’re not just managing your portfolio in a vacuum. We’re looking at how your investments fit into the bigger picture: taxes, retirement timing, estate plans, charitable goals, and more. It helps us make smarter decisions — and helps you feel more confident about where you’re headed.
That said, we understand every situation is different. If you’re primarily looking for investment management and already have a financial plan in place, we’re happy to have a conversation and see if we’re a good fit. But in most cases, we’ve found clients appreciate having a team that looks at everything, not just the market side of things.
Tax efficiency is built into how we manage portfolios — not treated as an afterthought. We focus on maximizing after-tax returns, which means we consider where assets are held, when gains are realized, and how different account types interact across your household.
Some of the tax strategies we may use include:
- Asset location – placing tax-efficient investments in taxable accounts and tax-inefficient ones in IRAs or Roths when appropriate
- Tax-loss harvesting – realizing losses to offset gains, especially in volatile years
- Capital gain management – being thoughtful about when and how gains are realized to reduce unnecessary tax impact
- Withdrawal strategy coordination – helping you choose which accounts to draw from in retirement or income years to minimize taxes across the board
We also coordinate with your CPA or tax professional when needed, and we’re always looking out for planning opportunities — like Roth conversions, charitable gifting, or adjusting income in high-tax years. The goal is simple: keep more of your money working for you, not lost to avoidable tax drag.
We don’t publish a hard minimum, but our investment management services are typically best suited for households with $500,000 or more in investable assets.
That said, we care more about fit than thresholds. If you’re in a strong saving phase, preparing for a liquidity event, or looking for long-term partnership, we’re happy to have a conversation — even if you’re not quite at that level yet. We also offer standalone and project-based financial planning options for those who may not be ready to delegate investment management but still want guidance.
Ultimately, we want to be the right advisor for the right people — and that’s about goals, not just account size.
Yes — but always with purpose.
Your portfolio is not set in stone. It’s designed to adapt as your goals, circumstances, and needs evolve. That could mean adjusting your strategy as you approach retirement, respond to a major life event, inherit assets, or shift your long-term objectives.
We also rebalance your portfolio regularly to keep it aligned with your intended allocation. This helps manage risk and maintain discipline, especially during volatile markets.
Because we integrate investment management with financial planning, any changes we make are coordinated with your tax strategy, cash flow needs, estate plans, and more. As your life changes, we make sure your portfolio continues to support your bigger picture.
We are a fee-only fiduciary, which means we’re compensated solely by our clients — not by commissions, kickbacks, or product sales. Our standard investment management fee is 0.55% annually on assets under management, capped at $11,000 per household per year. This keeps costs transparent and predictable, even as your portfolio grows.
While we don’t receive any trading commissions or third-party incentives, your custodian may charge small transaction fees in certain cases — especially for legacy positions or investments we didn’t recommend. We avoid those whenever possible by using low-cost, no-transaction-fee funds and ETFs.
There are no hidden layers. If you hire us for investment management, comprehensive financial planning is typically included at no additional charge. That means you get coordinated guidance across taxes, retirement, estate planning, and more — all under one clear, client-aligned fee.
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