WEALTH MANAGEMENT|FINANCIAL PLANNING
Portfolio & Risk Analysis
Before you can decide whether to keep, change, or replace your investments, you need to know exactly what you own and what risks you are taking.
Book Your Free Strategy CallMost investors are taking more risk than they realize — often because their portfolio hasn't been aligned to their actual financial plan or their genuine tolerance for market swings.
The Problem
Most investors are taking more risk than they realize.
True diversification goes beyond owning many funds. Heirloom evaluates overlapping holdings, concentration risk, and whether your portfolio is positioned to withstand downturns.
Common portfolio problems:
- Risk level is higher than the investor realizes or can comfortably sustain
- Overlapping holdings across funds create hidden concentration
- Portfolio isn't aligned to the financial plan or retirement timeline
The consequences of misalignment:
- Selling at the worst time — when markets drop and emotion overrides the plan
- Underperformance from holding too much in one sector or manager
- A retirement plan that can't be executed because the portfolio can't sustain it
Heirloom's Approach to Portfolio & Risk Analysis
Heirloom uses a systematic risk-scoring framework that measures your portfolio's risk level against your plan and your comfort, then makes evidence-based adjustments.
Our Approach
1. Risk Discovery
We start by understanding:
- Your financial plan, time horizon, and income needs
- Your genuine tolerance for market volatility — not just a questionnaire score
- How you've actually responded to downturns in the past
- Any constraints on the portfolio — tax, liquidity, or legacy requirements
Our Approach
2. Portfolio Scoring
Heirloom measures:
- Your portfolio's risk level using a systematic 1–100 framework
- Concentration risk — overexposure to individual stocks, sectors, or geographies
- Overlap — hidden duplication across funds that creates false diversification
- Alignment between current risk level and your plan and stated comfort
Our Approach
3. Alignment Planning
We design adjustments that:
- Bring portfolio risk in line with your goals and timeline
- Account for tax impact of changes — minimizing unnecessary gain realization
- Avoid disruption beyond what is needed to correct the misalignment
- Address concentration and overlap systematically rather than piecemeal
Our Approach
4. Ongoing Monitoring
We monitor:
- Portfolio risk as markets move and holdings shift in weight
- Alignment with your plan as goals, income, or timeline evolve
- New concentration risks from employer stock, equity compensation, or inheritance
- Opportunities to improve tax efficiency without compromising the risk target
Risk drifts over time. We adjust when your risk level diverges meaningfully from your plan.
What Alignment Delivers
Clients who complete a thorough portfolio and risk analysis with Heirloom typically experience greater confidence in their investment strategy and better alignment with their financial plan.
A Portfolio Aligned to the Plan
- Risk level matched to your financial plan, time horizon, and genuine comfort
- True diversification — no hidden concentration or overlap
- A portfolio designed to serve a clearly defined goal
Confidence in Volatile Markets
- Understanding of exactly what you own and why
- Reduced impulse to make emotional decisions during downturns
- A portfolio you can stay invested in because it was built for your reality
Tax-Aware Adjustments
- Changes designed to minimize unnecessary gain realization
- Tax-loss harvesting opportunities identified alongside risk corrections
- No disruption beyond what is needed to address the misalignment
Ongoing Monitoring and Discipline
- Risk levels monitored continuously as markets and holdings shift
- New concentration risks flagged proactively
- Adjustments made systematically — not reactively
Is Portfolio & Risk Analysis Right For You?
This service is especially valuable for:
High-net-worth investors with legacy portfolios
That have grown complex over many years without a systematic risk review or alignment check.
Executives and professionals
With concentrated positions, equity compensation, or employer stock that creates significant risk.
Families considering a change of advisor
Who want a clear, objective second opinion on how their portfolio is constructed and what risks they are taking.
If you are not fully confident in how your portfolio is constructed — or you simply want a clear, objective second opinion — Heirloom can help you see your current situation in a new light.
True diversification goes beyond owning many funds. Heirloom evaluates overlapping holdings, concentration risk, and whether your portfolio is positioned to withstand downturns without triggering costly emotional decisions.
Schedule A Strategy Session with Our Team
This initial conversation is designed to understand your goals, current situation, and priorities. No sales pitch — just a focused conversation about where you are and where you want to go.