There is no model portfolio that gets applied to everyone.
Stonebridge portfolio managers work alongside the Clear Direction team to understand your income needs, risk tolerance, time horizon, and tax situation to construct clients’ asset accordingly. The portfolio for a 45-year-old business owner looks nothing like the one for a 68-year-old retiree, i.e. investment customization is of primary importance.
Markets change. Life changes. Your portfolio should respond to both.
The Stonebridge team actively monitors positions, evaluates risk, and adjusts based on both market conditions and your evolving situation. Institutional-grade oversight without the institutional-grade minimum that typically comes with it. We create/manage SMAs (Separately Managed Accounts) because they are individualized to each client/investor…they are preferred, in particular, for non-retirement accounts because SMAs allow us to “tax harvest” in a tax friendly manner to benefit clients’ taxable outcomes.
Your portfolio doesn't exist in isolation.
It needs to work alongside your real estate holdings, retirement accounts, tax situation, and long-term planning goals. Clear Direction manages both the investment side and the broader financial planning relationship. As a result, every strategy and account registration is coordinated. Investors do not get tax efficiency in mutual fund/wrap accounts which many other advisory firms use for “their” simplicity…therefore we manage SMAs for clients as it’s in their best interest. It’s more work for us, but it’s a value our clients appreciate.
35+ years in institutional investment management. Operates independently from CDI and Concorde - focused solely on public markets portfolio management. Works directly alongside the Clear Direction team on each client account.
Most of these strategies require accredited investor status - generally individual income over $200,000 (or $300,000 joint) for two consecutive years, or a net worth over $1 million excluding your primary residence. A 15-minute call is usually enough to determine whether any of these strategies apply to your situation.
It means your portfolio is not set on autopilot. The Stonebridge team monitors positions, evaluates risk, and makes changes based on both market conditions and changes in your life. A retiree drawing income needs a different approach than someone still accumulating. Active management means the portfolio responds to both.
Index funds and robo-advisors apply a model to everyone. We do not. Your portfolio is built around your specific income needs, timeline, tax situation, and risk tolerance - and it is coordinated with your real estate holdings, retirement accounts, and planning goals. That coordination does not happen in an automated platform.
John Schonberg, CFA, serves as Chief Investment Officer through Stonebridge Capital Advisors. He has 35-plus years in institutional investment management, including senior roles at Piper Jaffray and Columbia Management. He operates independently from CDI and focuses exclusively on public markets portfolio management. He works directly alongside the Clear Direction team on each client account.
It depends on your situation. Portfolios may include individual stocks, ETFs, bonds, and cash positions in varying combinations based on your goals, timeline, and risk tolerance. We do not use proprietary products or funds that create conflicts of interest.
Fees are based on assets under management and are disclosed clearly before any engagement. There are no hidden commissions or product-based compensation. Contact us for specifics based on your account size.
You will receive regular performance reporting and we will reach out proactively if something changes that affects your strategy. You are not left wondering what is happening with your money. If you have questions between formal reviews, you can always reach us directly.
A complimentary portfolio conversation is the fastest way to find out if what you have is actually aligned with where you are headed.
Enter your details below to get a free copy of the guide.
Enter your details below to get a free copy of the guide.
