We help high-net-worth families manage the wealth they’ve built — pursuing opportunity while managing risk, with fiduciary advice tailored to your life.
Major declines rarely arrive all at once, and they can take years to recover from. When you’ve built significant wealth, protecting it from the next downturn should be part of the strategy, not an afterthought. Buy-and-hold works well in good times, but it can be costly when they end. We build risk-managed portfolios that seek growth while managing downside risk.
Hover or drag across the chart to read any date · Select a decline to zoom in · Price only, dividends excluded
The top panel is the S&P 500 itself. The bottom panel shows how far it stood below its highest close to date — the deeper and wider the hole, the longer an investor waited just to get back to even.
S&P 500 price index (and its pre-1957 predecessor), January 1928 – December 2025; weekly closes, with peak, low and recovery dates taken from daily closes. “Below prior high” runs from a record close until the index closed above it again. Price only: dividends are excluded, and reinvesting them would have shortened each recovery. Source: Yahoo Finance (^GSPC), daily closing prices. S&P 500® is a registered trademark of S&P Global Inc. You cannot invest directly in an index. Past performance does not guarantee future results. Shown for illustration only — not the performance of any Momentum Wealth Planning strategy.
Every decline requires a larger gain just to get back to even — and the deeper the loss, the faster that hurdle climbs. It’s harder still when you’re drawing income from the portfolio instead of adding to it.
A 50% loss needs a 100% gain just to break even.
Drag to set a loss, or pick a decline from history
Gain needed = loss ÷ (1 − loss). Pure arithmetic: it ignores dividends, fees, taxes and withdrawals. Historical losses are S&P 500 price declines from a record close to the low (daily closes; source: Yahoo Finance, ^GSPC).
Our strategy aims to align your portfolio with the market’s prevailing trend, measured across multiple timeframes — seeking growth while conditions are favorable, and shifting toward defense when they aren’t. Decisions come from data-driven signals, not emotion or prediction.
Shaded areas are defensive stretches, including a false signal. Signals come after the turn, not at it.
When the trend is favorable, portfolios are positioned to seek growth alongside the market’s advance.
As conditions deteriorate, hedging and cash are used to help reduce exposure to a significant decline.
When the trend turns favorable again, portfolios seek to participate in the recovery.
Driven by data. Momentum signals and risk tools guide decisions, so the plan reacts to evidence rather than the day’s headlines. Risk tools can include protective puts and tactical cash, and covered calls for income, depending on conditions and the portfolio.
Illustrative schematic only — not actual market data, and not the result of any strategy. Trend signals lag market turns and can give false signals; false signals and hedges cost money, and a trend-following approach can trail the market, especially in rapid rebounds. No strategy can eliminate the risk of loss.
Investment management is the core of every relationship. For clients who engage us for planning, we coordinate the broader retirement picture too.
Tactical strategies designed to reduce risk during significant market downturns.
Portfolios selected to align with your goals and your tolerance for risk.
A plan built around your timeline, income needs, and goals for the years that matter most.
Coordination across your investments, taxes, and the wider picture of your wealth.
Coordinating how your wealth is preserved and passed on, the way you intend.
We work with high-net-worth families and individuals who built their wealth through discipline and want it managed the same way. Growth matters — and so does protecting what you’ve already built.
A no-obligation conversation about your retirement, your timeline, and whether a risk-managed approach fits. As a fiduciary, we are required to act in your best interest.
We learn your goals, your timeline, and how you think about risk. No pressure, no obligation.
If we’re a good fit, we show you how we’d manage your portfolio, what it costs, and why.
Regular reviews, clear reporting, and direct access to the people managing your money.