Complete Portfolio Management
One portfolio. A clear purpose. A disciplined investment partner.
Your wealth may need to do several things at once: grow for the future, provide income today, and remain accessible when life calls for it.
Those goals require more than choosing good investments. They require a thoughtful plan for how your investments work together.
FortyOne can manage your complete investment portfolio by bringing U.S. equities, fixed income, complementary international investments, and cash together around your objectives.
See how the pieces fit together
Over time, wealth can become spread across accounts, funds, and individual holdings. Each investment may have made sense when you bought it, yet the combined portfolio can leave important questions unanswered.
Are you taking more risk than you realize? Do you have enough available for upcoming needs? Are different accounts duplicating the same exposures?
You deserve a clear understanding of what your portfolio is designed to accomplish and the role each allocation plays.
We bring that broader perspective to the investment decisions and the ongoing management.
Experience with the whole portfolio
Our founder and Chief Investment Officer, Adam Zuercher, began his career in 1999, helping a regional CPA firm build a financial planning department and launch an investment advisory practice.
He earned his CPA and CFP® designations while there, developing a foundation in how investment decisions connect with a client’s broader financial life.
He subsequently spent more than two decades building and leading an independent registered investment advisory firm, followed by approximately three years managing public equity and fixed-income portfolios for a single-family office.
That experience informs FortyOne’s approach today: understand the purpose behind the wealth, evaluate the portfolio as a whole, and manage its components with discipline.
Build around what your wealth needs to accomplish
U.S. equities for long-term growth
FortyOne U.S. Equity, our flagship strategy, provides a focused approach to owning U.S. companies through fundamental research, technical analysis, and active risk management.
Fixed income with a defined role
Depending on your objectives, fixed income can support income needs, help moderate overall portfolio volatility, and provide for future spending. We evaluate credit quality, interest-rate sensitivity, maturities, and tax considerations when constructing the allocation.
International exposure where appropriate
Complementary international funds and ETFs can broaden your portfolio’s opportunity set beyond U.S. companies. We consider their role alongside your existing exposures and the objectives of the overall portfolio.
Cash for access and flexibility
Upcoming expenses and unexpected needs deserve deliberate attention. We consider how much liquidity your circumstances require and how cash fits within the investment approach.
The right combination begins with your needs. Each allocation must have a reason to be there.
A consistent process across your portfolio
1. Understand your starting point
We review your current investments, account types, income needs, time horizon, tax circumstances, and tolerance for risk. We also discuss significant assets or obligations outside the accounts we would manage that could affect investment decisions.
2. Define the approach
We establish the objectives and allocation for your portfolio, including the role of each component and the risks involved. You should understand the proposed approach before moving forward.
3. Transition thoughtfully
Existing holdings may carry unrealized gains or serve an important purpose. We evaluate what to retain, what to change, and how to implement the portfolio with attention to taxes, liquidity, and market conditions.
4. Manage as conditions change
We monitor individual investments and the combined portfolio, reviewing exposures and adjusting when warranted. Changes in markets and changes in your life can both call for action.
Clear oversight. Personal attention.
Your accounts should work toward a coordinated set of goals.
We consider how holdings fit together across the accounts we manage, with attention to concentration, taxes, cash needs, and overall risk. Where appropriate, we coordinate with your tax and legal professionals so investment decisions reflect the broader picture.
Our team provides clear communication and attentive service, helping you understand your portfolio and the reasoning behind meaningful decisions.
Give your entire portfolio a clear direction
Start with a conversation about what you own today and what you need your wealth to accomplish.We will explain how we could manage the portfolio, what the relationship would involve, and whether FortyOne is the right fit.
We typically serve relationships of $1 million or more.