Customized Investment Portfolios in Newport Beach
Holt Investment Partners builds customized investment portfolios for individuals and families in Newport Beach and across Orange County. Each portfolio is managed individually, built around your income needs, tax situation and goals, and held in your own account at Charles Schwab.
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Built Around You, Not a Model Portfolio
Many firms place clients into one of a few pre-built models. We start with you instead: what you need the money to do, when you’ll need it, what you already own and what you pay in taxes.
From there, we build a portfolio that fits. If you hold a large position you’re attached to, we work around it. If you need steady income, we plan for it. If you have gains you’d rather not trigger, we take that into account before we sell anything.
You work directly with me, Tyler Holt. You won’t be handed off to a call center or a junior associate.
What Goes Into Your Portfolio
Depending on your needs, your portfolio may include:
Individual stocks, chosen for quality and held with a long-term view
ETFs, for low-cost, broad diversification
Individual bonds, including California municipal bonds for tax-free income (see Fixed Income & California Municipal Bonds)
Cash and short-term reserves, so near-term spending is covered without selling at the wrong time
Every holding has a reason to be there, and we’ll explain it in plain English.
Tax-Aware From Day One
What you keep after taxes matters more than what you earn before them. That’s especially true in California. We manage portfolios with taxes in mind:
Tax-loss harvesting, using losses to offset gains
Timing gains thoughtfully rather than selling on a schedule
Placing investments in the right account types where it makes sense
Coordinating with your CPA on conversions, withdrawals and year-end planning
We don’t prepare taxes or give tax advice. We work alongside the professional who does.
Income When You Need It
For retirees, and anyone drawing from their portfolio, we build a plan for where your income comes from: interest, dividends, maturing bonds and cash reserves. You’ll know what’s coming in and when, so a bad month in the market doesn’t decide when you sell.
Your Assets Stay in Your Name at Charles Schwab
Your account is held at Charles Schwab, one of the largest custodians in the country, in your name. You get statements and online access directly from Schwab. We manage the investments; we never take possession of your money.
Holt Investment Partners is independent and is not affiliated with Charles Schwab.
How We Work Together
Introductory call: a no-pressure conversation about where you are and what you’re looking for.
Portfolio review: we look at what you currently own, including costs, risks, taxes and income.
Proposal: a clear recommendation and what it would mean for you.
Onboarding: we open your account at Schwab and transition your assets carefully, with taxes in mind.
Ongoing management: regular reviews, and a reply when you call or email.
Frequently Asked Questions
How is a customized portfolio different from a model portfolio?
A model portfolio puts many clients into the same mix. A customized portfolio is built and managed for your own account: your holdings, your taxes, your income needs.
Who holds my money?
Charles Schwab holds your assets in an account in your name. Holt Investment Partners has authority to manage the investments but cannot withdraw your money.
Can you work with my existing CPA or attorney?
Yes, and we encourage it. Good planning works best when your advisors collaborate.
Do you use individual stocks, ETFs or both?
Both, along with individual bonds where appropriate. The mix depends on your goals, taxes and preferences.
How often will we review my portfolio?
We monitor portfolios continuously and meet with clients regularly. You’re welcome to call any time.
Are you a fiduciary?
Yes. As a registered investment adviser, Holt Investment Partners has a fiduciary duty to act in your best interest.
Let’s Talk About Your Portfolio
If you’d like a second set of eyes on what you own, or you’re looking for a more personal approach to managing your money, we’d be glad to talk.
Holt Investment Partners LLC is an investment adviser registered with the California Department of Financial Protection and Innovation. Registration does not imply a certain level of skill or training. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Tax-loss harvesting and other tax strategies may not be appropriate for all investors; consult your tax professional. This page is for informational purposes only and is not an offer or recommendation for any specific security.