Relief Debt Compass

Invest with discipline. Compound with purpose.

Explore investment and wealth-building services built around diversification, risk and long-term objectives.

Investment Services

Portfolios engineered for decades, not quarters.

Nobel-prize-winning academic framework, tax-aware implementation, institutional expense ratios. Your portfolio is built to survive 1929, 1973, 2000, 2008 and 2020 — because one of those will repeat on our watch.

Investment Management

Discretionary separately-managed accounts built from index ETFs, factor tilts, individual bonds and alternative sleeves. Quarterly rebalancing, tax-loss harvesting at the sleeve level, drift-band monitoring.

0.50–0.85% AUM Tax-loss harvest Direct indexing ESG options

Stock Investment

Individual equity portfolios for clients who want concentrated exposure to conviction names. Fundamental research, position sizing rules, single-name risk budget of 4% of equity sleeve. Options overlays for income & hedging.

Concentrated thesis Options overlays 4% risk budget

Gold Investment

Physical bullion allocation via allocated accounts at Brinks & Loomis, gold ETFs (IAUM, GLD) and select gold-mining equities. Inflation hedge, currency hedge, geopolitical hedge — sized to 3–8% of total portfolio.

Allocated bullion 3–8% sleeve Vaulted storage

Mutual Funds

Curated no-load mutual fund families — Dimensional, Vanguard, Bridgeway, Avantis — at institutional share classes normally reserved for $1M+ investors. The lowest-cost, most tax-efficient passive vehicles available to retail investors.

No-load only Institutional shares 0.04–0.30% ER

A second opinion on your portfolio, free.

Email us your most recent statement. We'll run it through our risk, cost and tax framework and tell you — in plain English — what is excellent, what is mediocre, and what should never have been sold to you.

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