The Old Way vs. The Investably Way
Generic investments leave out what makes your life unique.
The traditional advisory model was built around one thing: a portfolio sitting in accounts. At your stage of life, that's the least of your challenges. Here's how we do it differently.
The Fragmented Approach
Investments managed in isolation from taxes, estate, and business
Generic model portfolio regardless of your life stage
Healthcare costs treated as a future problem, not a planning variable
No income strategy — just hope the portfolio lasts
Tax drag ignored across account types
No access to institutional or private market strategies
Set it and forget it — no ongoing stewardship
The Investably Total Wealth Approach
Every investment decision connected to your whole financial picture
Personalized strategy built around your goals, timeline, and risk profile
Healthcare costs planned for — not ignored — as a real wealth risk
Monthly income and cash flow designed to create work optionality
Balanced across tax-free, tax-deferred, and taxable accounts
Private credit, real estate, and equity access when appropriate
Active stewardship — monitored, adjusted, and accountable
Our Investment Philosophy
Beyond portfolios. A total wealth investment strategy.
Your money is managed as part of your total wealth plan — using a tax-smart framework designed to sustain your lifestyle, support long-term growth, generate reliable income, and protect your wealth so it doesn't just grow on paper, but supports real life today while protecting what you're building for tomorrow.
Personalized to Your Purpose
We start with your financial life — goals, timelines, risk tolerance, tax profile, and legacy intentions — then design a strategy that reflects who you are and what you want to achieve.
Long-Term, Evidence-Based
Markets change — but your priorities don't. We focus on compounding long-term versus short-term noise. Capital preservation, risk management, and participation in growth aligned with your life plan.
Tax-Smart Implementation
Tax impact is integrated into asset location, portfolio construction, rebalancing, and withdrawal sequencing — so you keep more of what you earn over time.
Dynamic Risk Management
We manage the risks that actually threaten wealth: inflation eroding purchasing power, outliving your assets, market volatility at the wrong time, rising healthcare costs, and life's unforeseen disruptions.
Ongoing Active Stewardship
We don't set and forget. Your portfolio is monitored and adjusted as your life evolves — major life shifts, career milestones, retirement transitions, or legacy planning moments.
ETF-Focused Construction
Portfolios are built primarily using low-cost, tax-efficient ETFs to provide a more diversified, global exposure, institutional-style approach without unnecessary fee drag or complexity.
Institutional-Style Portfolio Resilience
Portfolios are designed to hold their purpose across different market scenarios — bull markets, downturns, rising rates, and inflationary cycles — using low-cost ETFs to apply a similar disciplined approach institutional managers may use for endowments and pension funds.
Aligned With Your Total Wealth
Investment decisions don't happen in isolation. Every allocation, rebalance, and income withdrawal is evaluated in the context of your business, real estate, estate plan, and tax picture — all working in harmony.
Beyond Traditional Markets
When appropriate, we integrate institutional-grade cash, lifetime income strategies, private credit, and private real estate alongside public investments to enhance income, diversification, and long-term resilience.
Expanded Investment Capacity
Public markets are only part of the picture.
Public markets represent just a portion of the global investable universe. When appropriate for your situation, we integrate institutional-grade private market strategies alongside your public portfolio — enhancing income, diversification, and long-term resilience. Access typically reserved for institutional investors or ultra-high-net-worth families is now available through our relationships.
Private Markets
Private Real Estate
Access to non-traded REITs, private real estate funds, and direct investment structures — income-generating, diversifying, and largely uncorrelated to public equity markets.
Private Markets
Private Credit
Senior secured loans, direct lending, and credit strategies that provide floating-rate income with lower correlation to equity volatility — a meaningful alternative to traditional fixed income.
Private Markets
Private Equity
Co-investment and fund access in growth and buyout strategies — historically higher long-term return potential for appropriate client profiles with suitable time horizons.
Access note: Private market investments are available to eligible clients meeting applicable accreditation requirements. They involve illiquidity, longer time horizons, and unique risks. All allocations are evaluated in the context of your total wealth plan. Past performance is not indicative of future results.
The Elephant in the Room
Healthcare costs are a wealth risk. We plan for them.
Most investment strategies quietly ignore one of the largest financial threats facing high-income families and retirees. We address it directly — because ignoring it doesn't make it go away.
$315K+
Estimated lifetime healthcare costs for a couple retiring at 65, not including long-term care
70%
Of Americans over 65 will need some form of long-term care in their lifetime
We integrate healthcare planning as a real variable in your investment and income strategy — not an afterthought. This means:
Projecting healthcare costs as a portfolio draw — not a surprise
HSA maximization as a tax-free healthcare investment vehicle
Medicare bridge planning for early retirees
Long-term care coordination so it doesn't derail everything else
Monthly Income & Work Optionality
Your portfolio should pay you — on your terms.
Work optionality means having enough consistent, reliable income from your portfolio that work becomes a choice, not a necessity. We design income-generating strategies that bridge the gap between your career and your vision of financial freedom.
Cash Flow Architecture
Monthly Income Design
We build portfolios with intentional cash flow — dividend income, interest income, private credit distributions, and structured withdrawals — so your wealth generates consistent monthly income aligned with your lifestyle needs.
Pension-Like Income
Lifetime Income Strategy
We strategically implement lifetime income solutions — including income-oriented annuity structures — to create a predictable, pension-like income floor that your portfolio and investments build upon. Income you can count on, regardless of market conditions.
Concentration Risk
Tax-Smart Transitions
Concentrated equity positions — from stock options, RSUs, or business ownership — represent both opportunity and risk. We design tax-smart transition strategies that reduce concentration over time without triggering unnecessary tax events.
SBLOC Strategy
Securities-Backed Lending
Securities-Backed Lines of Credit (SBLOCs) allow you to access liquidity from your portfolio without selling — eliminating tax events while preserving your investment strategy. We implement and oversee SBLOC access as part of your total wealth architecture.
Tax-Aware Portfolio Architecture
Where your money lives is as important as what it's invested in.
Wealth erosion to taxes is one of the most predictable — and preventable — drains on long-term wealth. We architect your holdings across three tax buckets, optimizing what's held where, and how income is drawn, to minimize lifetime tax burden.
Bucket One
Tax-Free
Roth IRA · Roth 401(k) · HSA
529 Education Accounts
Grows and withdraws tax-free. Protected from future tax rate increases.
Bucket Two
Tax-Deferred
Traditional IRA · 401(k) · 403(b)
Multi-Year Guaranteed Annuities (MYGA) · 529
Reduces taxable income today. Tax due at withdrawal — timing and sequencing matter.
Bucket Three
Taxable
Brokerage accounts · ETF portfolios
Direct indexing · SBLOC collateral
Subject to capital gains. Tax-loss harvesting and asset location applied here.
Our approach: We model your optimal contribution, conversion, and withdrawal sequence across all three buckets — including Roth conversion opportunities, tax-loss harvesting, and asset location strategy — to minimize your lifetime tax bill and maximize what you actually keep.
What We Help You Answer
The questions that keep clients up at night.
Our investment management approach is built to solve the real questions that matter — not just generate returns on a quarterly statement.
"Will my family be okay financially if something happens to me?"
"Will I have enough income to retire on — income that can actually last my lifetime?"
"Am I making the best decisions with my income, assets, or a sudden windfall?"
"How can I keep growing my money without half of it going to taxes?"
"How do I turn years of high income into sustainable cash flow and real work optionality?"
"What happens to my wealth if healthcare costs derail my retirement plan?"
Our Custodian Partner
Award-winning custody — built exclusively for fiduciary advisors.
Where your assets are held matters. We partner with Altruist Financial — a modern, fiduciary-only custodian trusted by over 5,000 advisors and top-tier $1B+ RIAs — to deliver a more transparent, responsive, and innovative custody experience for our clients.
Custodian Partner
Altruist Financial
Fiduciary-only · Used by 5,000+ advisors · Nationally recognized
Fast Company Most Innovative
Industry Custody & Service Awards
Fiduciary-Only Platform
Designed exclusively for independent RIAs — no retail brokerage, no product sales, no conflicts. Built to serve your best interest, not a sales quota.
Modern & Transparent
Real-time account access, clean reporting, and modern technology — so you always have a clear, current view of your wealth in one place.
Nationally Recognized
Recognized by Fast Company's Most Innovative Companies and industry awards for transforming the custody and client service experience.
Extended SIPC & Asset Protection
In addition to industry-standard SIPC coverage, Altruist carries an excess SIPC policy with underwriters at Lloyd's of London — extending per-account coverage by an additional $40 million (cash sub-limit of $2 million), subject to an aggregate limit of $150 million across all Altruist accounts.
Stock loan transactions and certain mutual funds may not be covered by the excess SIPC bond.
Institutional High-Yield Cash
Up to 8×
The national retail average cash yield — giving eligible clients access to institutional-grade cash management typically unavailable at traditional brokerage firms.
Extended FDIC Coverage
Up to $3M in FDIC insurance on individual, trust, and business cash accounts — and up to $6M on joint accounts — through partner banks.
"Our custodian partner, Altruist, has been recognized nationally for innovation and client experience. Their platform is designed exclusively for fiduciary advisors — delivering a more modern, transparent, and responsive experience for our clients."
Ready to invest with intention?
Schedule a Private Virtual Consultation — no pitch, no pressure. Just an honest conversation about what a total wealth investment strategy could mean for your life. Reach us at hello@investably.com · Virtual Calls by Appointment
Disclosures
Investably, LLC is a registered investment advisor (RIA) registered in the states of Maryland and Florida, headquartered at 2 Bethesda Metro Center, Suite 250, Bethesda, MD 20814. As an independent RIA, Investably delivers personalized wealth advisory and investment management services to clients virtually across Maryland, Florida, and all states where exemptions apply. Michelle Gordon is a holder of the Accredited Investment Fiduciary® (AIF®) designation and is a licensed Investment Advisor (Series 65) and licensed insurance professional.
Private market investments involve unique risks including illiquidity, lack of a secondary market, and longer time horizons. They are available only to eligible clients meeting applicable accreditation or suitability requirements. All investment decisions are based on an analysis of each client's objectives, risk tolerance, and time horizons. Investing always involves risk and possible loss of capital. Past performance is not indicative of future results. References to healthcare cost estimates are sourced from publicly available research and are illustrative only.
All content is for informational and educational purposes only. It is not intended to provide financial, tax, or legal advice. Please consult with an attorney or CPA for legal or tax advice.