Full Transparency
All of your investments are owned 100% independently by you in your customized portfolio, and are held in custody by Interactive Brokers, the institutionally-trusted custodian brokerage firm with client assets exceeding $400 Billion that pays clients an elevated interest rate on cash holdings, and provides exceptional execution for publicly-traded equity hedging instruments. We have no access to your capital, beyond implementing investments on your behalf. Only you can ever access your capital for withdrawal.
You are able to log into your account at anytime to view your holdings and confirm market value. Your investments consist of publicly traded, exchange-listed assets. We do not invest in opaque private markets. With minimal advanced notice, you are able to sell investments and withdraw funds, always without associated management fees.
The Long Term is The Sequential Continuation of Short Term Time Horizons
We are focused on your investment performance and recognize long term goals are accomplished with a continuation of shorter-term achievements. Benefits of compound returns become appreciably constructive over the long term when short term and intermediate term outperformance is derived. We cannot and do not guarantee any returns; we aim to provide superior risk-adjusted returns appropriate for client-specific risk tolerances.
Covid Has Irrevocably Altered Prudent Portfolio Risk Exposure
The rapid emergence and proliferation of covid demonstrated the prevalence of far-left tail-risk (a.k.a downside risk, black swan risk, or asset pricing risk) being far greater than what could be reasonably modeled prior to 2020. After suddenly plunging in historic fashion during Q1 2020, global equities were resuscitated by unprecedented fiscal and monetary stimulus implemented by federal governments and central banks, respectively. Such stimulus occurred in the form of debt, driving developed-world per capita inflation-adjusted national debts to levels never before assumed. The translation is that policy measures available to counter future economic shocks in the form of pandemics, climate change, war, or other sudden adverse events may be radically limited relative to the means required to support economies and asset prices. Using traditional investing strategies of the past may be insufficient to achieve desired future returns. Strategies implemented by Bespoke TFC Capital are designed with the objective of solving this problem.
Core Competency
We create customized client portfolios with an enhanced level of sophistication, deploying an expansive universe of publicly traded investment instruments, available to all qualified investors, yet predominantly utilized by institutional investors (hedge funds, pension funds, etc.) and portfolio managers for ultra-high-net-worth (UHNW) investor accounts. Incorporating multi-tier solution sets enables potential value-add investment strategies to be implemented with the objective of optimizing risk-adjusted portfolio returns for various market outcomes. Thorough emphasis is placed on long-term, after-tax, compound net returns.
Deploying a Comprehensive Knowledge of Asset Value
Investments pivot around a comprehensive understanding of intrinsic value ranges for publicly traded assets. Strategies predominantly relate to publicly traded U.S. equities and investment-grade U.S. bonds. Portfolios may be constructed with investments in commodities via company stocks or low-cost funds, real estate via real estate investment trusts (REITs), foreign stock exposure via company stocks or exchange traded funds (ETFs), and/or small cap stocks, where appropriate, though with modest allocations.
Specialization – Seeking To Optimize Your Investment Capital
We are a pure investment advisory firm. We differentiate ourselves from most financial planners and financial advisors by focusing exclusively on seeking to optimize your investment capital via forward looking risk management analysis and hedged investment structures. We are not generalists and do not provide financial planning services such as personal budgeting, insurance sales/advice, bill payments, estate planning, etc.
For financial requirements outside of the portfolio scope, we can direct you – without charge or referral fees – to recommended accountants, lawyers, bankers and other professionals for ancillary services, though we do not integrate ourselves into the operational aspects of your personal affairs. This enables us to remain laser-focused on seeking to optimize your risk-adjusted portfolio investment returns, designed to ultimately best achieve your goals.
We Do Not Invest In Speculative, Illiquid or Fee-Intensive Assets
We will not invest/speculate in currencies, cryptocurrencies, or illiquid private market assets. While there may be appropriate portfolio exposure to such speculative investments, we will strongly advise against exceeding minor percentage allocations of your net worth in such arenas. Any investments in foreign currencies, cryptocurrencies, or illiquid private market assets will need to be directed outside of the investment portfolio we construct. We will neither seek to be involved with, nor charge fees on any such investments you make outside of our investment universe.
Additionally, we do not invest client assets in high-fee, low-liquidity, opaque annuities.
Client Profile
Our value proposition is suited for investors who are independent within their own lives: they can save appropriately, manage their personal monthly cash flows, pay their own bills, purchase insurance independently, and estate plan without our involvement. For those who require integrated advice on such matters, two options are appropriate: either periodically retain consultants on an hourly basis, or seek a conventional financial planning advisory relationship that does not provide contemporary 21st century hedged investment structures.
Our clients are most focused on their investment capital pursuing maximum risk-adjusted returns. Regardless of whether you are young and risk tolerant with a long-term investment horizon, or more established and risk-adverse with near-to-intermediate term liquidity needs, we can customize investment solutions designed to optimize your investment portfolio such that it best tailors your objectives.
Ask Us Questions
Our in-person meetings are overtly transparent, just like our fee structure. Please do no hesitate to ask us any questions pertaining to any elements of the process; no question is too small for your investment capital. We are most comfortable when you are most comfortable.
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21st Century Investing