Legacy Investments
Let’s look at your entire investment portfolio.
Then let’s make it something meaningful.
TWM Select Equity Portfolios
The Absolute Return Equity Portfolio
Our Absolute Return Equity Portfolio strategy is built around three complementary
pillars—absolute return, equity growth, and high income—aims to generate positive
returns across different market environments rather than simply trying to outperform a
benchmark index. The absolute return sleeve serves as the portfolio’s stabilizer and risk
manager, using ETF strategies such as low-volatility investments, tactical allocations,
hedging approaches, alternative assets, cash reserves, and flexible positioning
designed to preserve capital during market stress. Its purpose is to reduce large
drawdowns and create a more consistent compounding experience through both strong
and weak economic cycles.
The equity growth and high income sleeves provide the portfolio’s engine for wealth
creation and cash generation. The equity growth allocation focuses on ETF’s that are
composed of high-quality businesses with durable competitive advantages, strong
earnings growth, and long-term appreciation potential. These holdings include both
domestic and foreign equity positions across all capitalization classes. Alongside it, the
high income allocation targets ETF’s with reliable cash-producing assets such as
dividend growth stocks, covered call strategies, REITs, preferred shares, domestic and
foreign bonds across multiple asset classes, and select income-oriented securities that
generate steady distributions. Together, these three components seek to balance capital
preservation, long-term appreciation, and dependable income streams, creating a
portfolio designed to compound wealth while maintaining resilience during changing
market conditions.
The Total Return Equity Portfolio
Our Total Return Equity Portfolio strategy seeks to maximize long-term wealth creation through a diversified blend of growth, income, and capital preservation. Rather than relying on a single market theme, this strategy spreads exposure across high-quality equities, durable compounders, income-producing assets, hard assets, and defensive holdings. The objective is to capture upside during strong economic periods while maintaining resilience during inflationary environments, recessions, and market volatility. The holdings of the portfolio include both individual stock positions and ETF positions. The strategy combines several layers of return generation: long-term ownership of elite businesses for capital appreciation, tactical and opportunistic investments for enhanced total return, and permanent all-weather allocations designed to preserve purchasing power through changing economic cycles. By integrating growth assets with income streams and defensive positions such as cash, precious metals, or other portfolio stabilizers, the portfolio aims to deliver a smoother compounding experience with fewer severe drawdowns. With the mindset of longer holding periods for many of the positions, short-term capital gains tax exposure can be minimized. The end goal is sustainable wealth accumulation through a disciplined process that balances offense and defense rather than chasing short-term market trends.
The All Weather Portfolio
Our All Weather Portfolio is a fund-of-funds strategy designed to provide balanced, resilient performance across changing market and economic environments by combining three complementary investment approaches: the Absolute Return Equity Portfolio, the Total Return Equity Portfolio, and the Conservative Asset Allocation Portfolio. The Absolute Return component focuses on capital preservation and risk management through flexible, defensive positioning; the Total Return component seeks long-term wealth creation through growth, income, and opportunistic investments; and the Conservative Asset Allocation component emphasizes stability through diversified ETF allocations. Together, these portfolios create a multi-layered structure intended to pursue consistent returns, reduce portfolio volatility, protect against major drawdowns, and deliver durable long-term compounding through varying market cycles.
TWM Asset Allocation Portfolios
An ETF-based asset allocation strategy offers a range of diversified portfolios tailored to different risk tolerances and investment objectives. Each portfolio uses broadly diversified exchange-traded funds to provide exposure across domestic and international equities, bonds, and other core asset classes, allowing investors to align risk with time horizon and goals. Higher-equity portfolios prioritize long-term capital appreciation and greater return potential, while more conservative allocations emphasize income generation, reduced volatility, and capital preservation. Through disciplined rebalancing and strategic diversification, the portfolio series seeks to deliver efficient risk-adjusted returns while adapting to varying investor needs across market cycles.
- Aggressive Allocation Portfolio:
Target Equity Allocation: 90%
Target Fixed Income Allocation: 10% - Moderate Allocation Portfolio:
Target Equity Allocation: 75%
Target Fixed Income Allocation: 25% - Balanced Allocation Portfolio:
Target Equity Allocation: 60%
Target Fixed Income Allocation: 40% - Conservative Allocation Portfolio:
Target Equity Allocation: 45%
Target Fixed Income Allocation: 55% - Preservation Allocation Portfolio:
Target Equity Allocation: 30%
Target Fixed Income Allocation: 70%
Asset Based Insurance
Yes, specific types of insurance can be considered a legacy asset. And when they are structured properly, they can be very tax advantageous for the policyowner. Here are a few examples:
Whole Life Insurance: This is an exceptionally versatile asset. When built correctly, a whole life policy can provide many advantages like tax deferred cash value growth, tax free cash withdrawals, access to cash value loans, and a tax-free death benefit to your beneficiaries. And unlike IRA’s, there are essentially no age restrictions, income earning limits, contribution limits, or withdrawal requirements with whole life policies. Time is one of the biggest factors of whole life policies, which makes them ideal as a legacy strategy for parent and/or grandparent gifting to children.
Hybrid Long Term Care Insurance: This product is a combination of long term care insurance and life insurance. Should the need arise for long term care, you would receive tax free benefits to pay for the costs associated with long term care. If you don’t trigger the need for LTC, you have access to the cash value of the policy that grows tax deferred. Another tax advantage of the policy is the death benefit is tax-free to your beneficiaries. These policies can help keep an estate intact in multiple ways.
Lifetime Income Annuities: There are multiple annuity options in the insurance marketplace. It’s so important to know the details of each type of annuity to make sure it’s meeting your specific goals. A deferred lifetime income annuity provides a guaranteed stream of income at a certain date in the future, which allows the policyowner to project what their potential income tax liability could look like at that time. These policies can also be designed to not only give you a lifetime of income, but also to a secondary annuitant.
Private Equity Real Estate
Having real estate on your balance sheet is one of the best assets you can own for wealth creation and legacy building. That being said, it is very important to consider all of the factors and metrics that are associated with owning real estate.
How is it owned, what is the cap rate, what is the cash-on-cash return, what is your net operating income, what is your debt service ratio, what is the loan to value, how long do you plan on holding it, and how will it be managed are just some of the questions you need the answers to.
We are here to help you navigate and answer that gauntlet of questions and advise you on what properties you should own and which properties you should probably stay clear of.