Wealth Management & Planning

Westlight Wealth provides tailored wealth management and financial planning solutions. We help you invest confidently and plan for life’s biggest goals.

Investment Strategy

Emphasizing a tailored approach to investment strategy, individual financial goals and market dynamics receive utmost attention. This dedication leads to the creation of a bespoke investment roadmap. Modern and time-tested methodologies ensure investments harmonize with long-range financial objectives and risk thresholds.

Retirement Planning

Retirement planning strategically guides you toward retirement. We analyze your financial landscape to select the most beneficial accounts for your individual needs, whether that be IRAs, 401(k)s, or other tax-advantaged options. We create a roadmap aligning your financial goals with your desired retirement lifestyle, providing clarity and confidence in your future and estate plans.

Personal Investment Policy

Your personal investment policy defines a customized and comprehensive investment approach tailored to your financial circumstances and objectives. We will guide you in defining your investment parameters, such as risk tolerance, time horizon, and financial goals. We'll then translate these into a personalized policy statement that outlines how your portfolio should be managed over time.

Regular Portfolio Monitoring

Regular portfolio monitoring is a critical aspect of our service. We routinely review your portfolio's performance, rebalance when necessary, and adjust to any changes in market conditions or personal circumstances. This proactive approach helps to keep your investment strategy on track, ensuring that your financial goals remain within reach.

Asset Allocation

We design a portfolio that fits you, not a template. By allocating across stocks, bonds, cash, and more, we aim for the right balance of growth and stability for your goals and timeline.
We can also create custom indexes that mirror popular ETF exposures, avoid ETF expense ratios, and let us leave out certain companies or fine tune allocations as needed. Trading costs may apply.

Asset Selection

The asset selection service aims to invest in the most promising securities within the selected asset classes. Leveraging extensive research, cutting-edge tools, and experienced judgment, we carefully sift through numerous options to identify assets that align with your financial goals and risk profile.

Tax Loss Harvesting

We offer tax-loss harvesting as a strategic approach to reduce your tax liabilities. By selling securities at a loss, we can offset the taxable income gained from other investments—thereby maximizing your after-tax returns This practice can significantly enhance your portfolio's net returns without altering your desired risk level.

Risk Assessment

Risk assessment evaluates potential threats to your investment portfolio. We examine factors like market volatility, liquidity risk, and credit risk, among others, to ensure your portfolio is well-prepared to navigate various market conditions. This process is crucial in defining a suitable investment strategy for you and maintaining the overall health of your portfolio.

asset allocation, portfolio monitoring, asset selection

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Investment Approach

Value Investing

Our investment philosophy is rooted in the search for undervalued assets with strong fundamentals. We meticulously analyze companies, considering factors such as their competitive advantages, financial stability, and growth potential. By focusing on companies with solid fundamentals and a track record of consistent revenue growth, we aim to build portfolios that can withstand market volatility and deliver sustainable long-term returns.

Emphasis on Quality

We prioritize investing in high-quality businesses that demonstrate sustainable competitive advantages and strong management teams. Our aim is to construct portfolios that withstand market fluctuations and deliver sustainable long-term returns. This is achieved by focusing on companies with solid fundamentals and a track record of consistent earnings growth.

Learning & Adaptation

Our investment strategy aims to adapt to our constantly changing world and emphasizes flexibility. Staying informed about emerging trends and evolving market dynamics is vital to accomplish this goal. Through ongoing research and a commitment to learning, we adapt our strategies to capitalize on new opportunities and navigate changing market conditions.

Margin of Safety

We aim to obtain investments at prices that provide a margin of safety. This is achieved by identifying opportunities where the market price is significantly lower than the asset's intrinsic value. By investing with a margin of safety, we seek to protect against potential downside risks and increase the potential for attractive returns.

Long-Term Perspective

We advocate for a patient and long-term investment horizon. Our strategy aims to maximize wealth accumulation by avoiding reactivity to short-term market turmoil.

Contrarian Thinking

We believe independent analysis and thinking differently from the crowd, when advantageous, are essential to outperform the market. Our approach often requires us to challenge consensus and consider investment opportunities that the market may have overlooked or undervalued. By adopting an open and sometimes contrarian mindset, the aim is to uncover unique opportunities and generate above-average returns.

Our Fee Structure

We believe in maintaining complete transparency in our fee structure. As a fee-only financial advisor, our only income comes directly from our clients, which helps ensure that our interests align with yours.

We charge graduated, no-minimum asset-based fees: 1.15% on the first $500,000, 0.95% next $500,000 (to $1,000,000), 0.80% next $4,000,000 (to $5,000,000), 0.55% next $5,000,000 (to $10,000,000), 0.30% over $10,000000 (see the tables below) These fees are effective on January 2nd, 2026

We do not accept any commissions, ensuring that our advice is guided solely by your financial goals. However, it's crucial to be aware of other costs associated with managing an investment account.

No Commissions

Our firm is built on the foundation of trust and transparency, which is why we operate on a fee-only basis. Unlike some advisors, we do not earn commissions on the products we recommend.

We believe this helps to eliminate potential conflicts of interest and ensures that the advice we provide is entirely based on your specific needs and goals.

No Load Fees

At Westlight Wealth, we do not invest in mutual funds, which often carry load fees. Instead, we focus on direct investment in securities or passively managed ETFs that do not carry such fees.

Low Expense Ratios

Our approach to investing primarily involves direct investment in individual securities. We may allocate a portion of the portfolio to passively managed sector or asset-based ETFs, depending on the needs of your portfolio. These ETFs have expense ratios, which are annual fees charged as a percentage of your investment. However, as we focus on passively managed ETFs, these ratios are typically lower than actively managed ETFs.
We carefully consider the expense ratios when selecting ETFs and opt for those offering the best value. We believe the strategic use of these low-cost funds can help provide appropriate portfolio diversification.

No Account Maintenance fees

Some custodians charge annual or monthly account maintenance fees. However, Interactive Brokers does not charge a maintenance fee for the types of accounts that we manage.

Transaction Fees

Interactive Brokers, the custodian we use, may charge transaction fees for buying or selling securities. However, it's worth noting that their rates are among the most competitive in the industry.
Our investment approach is geared towards long-term wealth creation, which generally involves fewer transactions and, therefore, lower transaction costs. Our focus is on picking quality investments that align with your financial objectives, rather than frequent trading.

Minimum Account size

The minimum account size that we will manage is $250,000. Under certain circumstances we may make an exception to this minimum requirement.

Fee Schedule

How our graduated fees work:
We use a graduated, asset based schedule. Each percentage applies only to the dollars within that tier, so as your household assets grow, your blended effective rate goes down.

The fee starts at an annual rate of 1.15% of assets and the marginal rate goes all the way down to 0.30% of assets over a certain amount.

Related family accounts can be aggregated for tiering and then allocated pro rata across accounts.

What your blended effective rate means:
This is your total annual advisory fee divided by total household assets. Because only the dollars in each tier are charged at that tier’s rate, the blended rate is lower than the top tier you reach.

Quick example
Household at $2,500,000

$500,000 at 1.15% = $5,750
$500,000 at 0.95% = $4,750
$1,500,000 at 0.80% = $12,000
Total = $22,500 → 0.90% effective

A straightforward fee structure is key to building strong, trusting relationships with our clients. If you have any questions about our fees or the costs associated with investing, please do not hesitate to ask.