Client portfolio lagged benchmark by 2% annually

Implemented tactical asset allocation, achieving a 4% outperformance over 12 months

High concentration in a single sector increased volatility

Diversified holdings, reducing portfolio volatility by 15% while maintaining returns

Limited exposure to alternative assets

Added private equity and real assets, boosting risk‑adjusted returns by 1.2 Sharpe points

Underutilized tax‑loss harvesting opportunities

Integrated systematic harvesting, saving $45,000 in taxes for the client

Inconsistent rebalancing schedule

Established quarterly rebalancing, improving alignment with client risk tolerance