Customizing Portfolios for Your Goals

Every investor’s journey is different. You may be saving for retirement, funding education, planning for a major purchase, or focusing on wealth preservation. You may want to generate income to support your lifestyle today or prioritize growth for future generations. At Optimize, we believe your portfolio should reflect these personal goals and priorities—not just respond to generic investment models or market forecasts.

Portfolio customization is at the core of our approach. We build portfolios that are designed around your life, not the market headlines. This means carefully considering your cash flow needs, time horizons, risk comfort, and personal values, and ensuring your investments remain aligned with your goals as they evolve over time.

More Than an Investment Model — Your Portfolio, Your Life

While many firms use standardized models based on risk scores alone, Optimize takes a deeper, more personal approach. We start by understanding what you want your money to do for you, both now and in the future.

We look at:

• Your financial goals.
  Whether it is retirement income, wealth accumulation, education savings, or philanthropic giving, your portfolio should reflect the specific outcomes you want to achieve.

• Your personal priorities.
  Do you value stability over growth? Do you need reliable income to support your lifestyle? Do you prefer global diversification, or do you have legacy assets you wish to hold? We design your portfolio to respect these personal choices.

• Your cash flow needs.
  Your portfolio should provide the liquidity and income you need, while keeping your long-term investments growing and compounding.

• Your time horizons.
  Not all your money serves the same purpose at the same time. We segment your investments by time horizon, ensuring that money you need soon is in more stable assets, while long-term money remains positioned for growth.

• Your risk comfort.
  We align your portfolio’s risk level with your emotional comfort zone, helping you invest confidently and avoid reactive decisions during market downturns.

How Optimize Designs Your Customized Portfolio

We bring this personalization to life through:

• Personalized asset allocation.
  Your portfolio’s mix of equities, fixed income, and alternatives is tailored to reflect your unique blend of goals, time horizons, and comfort with risk.

• Goal segmentation.
  For clients with multiple goals, we create segments within the portfolio dedicated to each goal, matching the investments to the specific timeline and purpose of each.

• Incorporating pension-style assets.
  Where appropriate, we include stable, long-term assets—similar to those used by pension funds—to create a core of stability within your portfolio.

• Ongoing reviews and adjustments.
  We do not set your portfolio and forget it. Through regular conversations and check-ins, we adjust your portfolio thoughtfully as your life changes, ensuring it continues to serve you.

Your Portfolio Should Evolve with You, Not the Markets

Your life will change. Markets will move. But your portfolio should remain anchored to your goals, your priorities, and your financial life—not the latest investment trends.

At Optimize, we see portfolio customization as an ongoing, collaborative process. We help you clarify what is important to you, ensure your investments reflect those priorities, and adjust your strategy when your goals, needs, or circumstances shift.

By doing so, we give you the confidence that your portfolio is always working in service of the life you want to live—not just chasing returns, but supporting the outcomes that matter most to you.