Efficient Capital Strategies, LLC shares a long-term, patient, and truly multi-generational approach to building and sustaining wealth. Clients rely on Mr. Kuczmarski to challenge industry convention and to maintain a healthy skepticism toward the claims of an investment industry that all too often over-promises and under-delivers.
Integrate investment management and wealth planning
Thoroughly understand your financial and non-financial objectives.
Analyze how the moving parts of your life (trusts, taxes, cash flow, family dynamics) will impact your investment strategy.
Assess your financial and emotional tolerance for risk.
Develop a truly custom investment strategy that incorporates all of these factors.
Evolve strategies as markets change and the moving parts of your life unfold.
Employ a rigorous and transparent investment process
Generate superior returns by identifying sustainable investment themes, innovative strategies, top-tier managers, and applying modest tactical allocation tilts to strategic policy.
Evaluate risks through quantitative tools and qualitative scenario analysis.
Manage Risk. The process starts with your balance sheet, move on to your cash needs, and creates a global investment portfolio that is diversified across traditional and non-traditional sub-classes.
Enhance returns through tax-optimized portfolio construction
Allocate to asset classes on the basis of the expectations of their after-tax returns.
Employ index strategies for most public asset classes to reduce fees, expenses, trading costs, and taxes.
Incorporate active managers that meet an extensive due diligence process.
Improve overall portfolio returns by locating investments subject to high taxes in tax-deferred or relatively low tax-rate accounts.
Research your financial position, assets, liabilities, cash flows, and liquidity considerations to understand and manage around your constraints.
Assess your current investments and existing managers.
Evaluate the optimal asset ownership and location to maximize returns.
Formulate an investment policy and strategy that reflects the current market environment and your constraints.
Stress-test the policy to confirm the long term probability of meeting your goals.
Review analysis and recommendations with you to ensure the portfolio meets your objectives.
Manage the implementation process to minimize tax and transaction costs.
Employ low cost & tax efficient vehicles for most public investments and use active managers in inefficient and niche areas of the market.
Assess and control risk through ongoing macro research, scenario testing, tactical policy shifts, and portfolio rebalancing.
Enhance your net return through tax optimization: after tax return in asset allocation, appropriate asset location, and opportunistic tax loss harvesting.
Provide clear, comprehensive, and customized reports for portfolio, asset class, and underlying manager performance.
Customized Investment Solutions
Every family is unique. Optimizing investment results for each family requires building and managing customized solutions. Investors are not steered in a one-size-fits-all model. Every family is different. They have different objectives, balance sheets, tax situations, entity structures, and other needs. Optimizing investment results for each unique family requires building and managing customized solutions. At Efficient Capital Strategies, Investors are not herded into one-size-fits-all commingled funds, which dilute their flexibility and present hidden costs.