Investment Management

Portfolios built around your plan, not a generic model.

Good investing in retirement is not about beating the market or chasing the hottest fund. It is about earning the return your plan needs while taking no more risk than you have to. We manage your investments as one part of a coordinated plan, matched to the income you will draw and the decades your retirement may last.

What investment management is

It is the ongoing job of building, monitoring, and adjusting your portfolio so it supports your goals. That means setting the right mix of growth and stability, choosing efficient investments, managing taxes inside the portfolio, and rebalancing as markets and your life change. It is disciplined, not reactive.

Signs your investments need a second look

Your portfolio looks the same as it did in your forties, even though you are near or in retirement.

No one has connected your investments to a specific income plan.

III

You feel anxious every time the market drops because you are not sure what your money is for.

You hold a collection of accounts and funds that no one manages as a whole.

How investing fits The Legacy Blueprint

Investment management is the engine of the Grow pillar, but it never works alone. We align it with your income plan and your tax strategy so growth and withdrawals support each other. We set the strategy in Phase 2, stress-test it in Phase 3, and manage it continuously in Phase 4.

What we manage

Our approach

We invest with purpose. Money you need soon is kept stable; money with a long horizon is invested for growth. We favor low-cost, efficient investments and we coordinate every position with your tax plan. As a fiduciary, we are paid for advice, not for selling particular products, so there is no hidden incentive behind any recommendation. Client assets are held at Charles Schwab, an independent custodian, so you always know where your money sits.

Why a fiduciary approach matters here

A fiduciary is required to put your interests first, which removes that conflict from the room and keeps the focus on your plan. I've said it this way before: Sometimes, we may receive commission-based compensation paid to us by an insurance company. Rest assured that we will be transparent about our fees, provide them to you in writing and work with you to find a compensation structure that aligns with your needs.

If you’ve built meaningful wealth, the next phase isn’t growth – it’s protection.

Related services

Your plan is coordinated, so this service rarely works alone. It connects most closely with:

Retirement Income Planning

Replace business income with a paycheck.

Tax Planning

Your highest-leverage years are often right now.

Insurance and Risk Management

A reliable, tax-aware paycheck.

Investment management FAQ

Where is my money held?

Client assets are held at Charles Schwab, an independent custodian. We manage the strategy and Schwab holds the assets, which adds a layer of separation and security.

How do you decide how much risk I should take?

We start from your plan. The portfolio only needs to earn the return your income plan requires, so we avoid taking risk you do not need. We balance that against your time horizon and how you actually feel in a downturn.

Do you try to beat the market?

No. We focus on capturing the return you need efficiently and managing risk and taxes well. Chasing market-beating returns usually means taking on risk that does not serve a retirement plan.

What happens to my portfolio when the market falls?

Your near-term income is protected by a stability reserve, so we are not forced to sell at the bottom. We rebalance with discipline and stick to the plan rather than reacting emotionally.

What does it cost, and how are you paid?

We are a fee-based fiduciary firm, so our compensation is transparent and provided in writing upfront. The right fee structure depends on your situation, and we walk through it openly before you commit to anything.

Will I still be able to talk to a real person about my investments?

Yes. You work directly with Brian Kraus, not a call center. Most clients meet two to four times a year, with communication in between as markets and life change.

Get a second opinion on your portfolio

Your free assessment includes a review of whether your investments match your retirement plan. About 15 minutes, no cost, no obligation.

Prefer to talk first?

Disclosures: Investment advisory services are offered through Kraus Capital, a registered investment adviser. Advisory services are only offered to clients or prospective clients where Kraus Capital and its representatives are properly licensed or exempt from licensure.

Brian Kraus is a CERTIFIED FINANCIAL PLANNER™ professional. The CFP® marks are owned by the Certified Financial Planner Board of Standards, Inc. and are used in accordance with CFP Board guidelines.

Charles Schwab serves as the independent custodian for client assets. Kraus Capital is not affiliated with, and does not receive compensation from, Charles Schwab for custodial services. No strategy assures success or protects against loss. Past performance is not a guarantee of future results.

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