Our Approach
Six pillars driving capital allocation.
Everything begins with where your capital should go. Six dimensions shape that decision — and keep it aligned with your goals as they evolve.
Cash Flow & Liquidity
Income, reserves, debt, big-ticket expenses.
Tax Strategy
Harvesting, Roth conversions, withdrawal order.
Protection & Legacy
Insurance sized right; an estate that works.
Capital
Allocation
Equity Comp & Concentrated Stock
RSUs, ISOs, diversification.
Retirement & Income Planning
Work-optional, Social Security, healthcare bridge.
Life Events
IPO, job change, education planning, a sale.
Every decision serves where your capital should go — keeping your goals in focus.
How We Work
Five steps, repeated as life changes.
Organize
We consolidate the full picture — accounts, equity comp, taxes, goals — into one view.
Design
A goal-based plan and target allocation built to your objectives and timeline.
Optimize
Proactive tax efficiency, equity-comp timing, and coordination across every financial decision.
Implement
Low-cost, considered portfolio construction; accounts and beneficiaries put in order.
Steward
Ongoing management across a full market cycle — reviewed and adjusted as life changes.
A continuous cycle — not a one-time plan.
Why Lucerna
Institutional experience. Independent advice. No products to sell.
What sets Lucerna apart from the traditional wealth-management options.
Institutional expertise
- Decades of institutional investment-management background.
- Rigorous risk management and core portfolio construction.
- Sophisticated asset-allocation strategies tailored to your goals.
Trusted partners
- Deep expertise evaluating sophisticated asset classes.
- Objective guidance to navigate complex financial decisions.
- Thoughtful stewardship of your entire balance sheet.
High-touch service
- Direct access to two experienced Managing Partners.
- Decisions made with you — not routed to junior account managers.
- Continuous coverage and continuity over time.
Fee-only advice
- Fiduciary duty aligned exclusively with your best interests.
- No third-party kickbacks, soft dollars, or hidden product incentives.
- A transparent structure built for objective, unbiased guidance.