Investment Management
At Evergreen Wealth Management, we combine time-tested investing principles with cutting-edge technology to deliver a disciplined, tax-smart, and transparent investment experience.
Passive, Low-Cost Investing
We build portfolios primarily using diversified, low-cost index funds. This passive investing approach helps reduce unnecessary costs, improve long-term tax efficiency, and avoid the guesswork of trying to time the market.
All assets are held at Charles Schwab, a secure and reputable custodian. If you already own individual stocks, we can integrate those positions into your broader strategy — keeping some or all of your current holdings based on your needs and goals.
Tax-Aware Strategies
For taxable accounts, we focus on minimizing your tax burden through:
- Tax-efficient asset placement
- Capital gains awareness
- Tax-loss harvesting opportunities
(when appropriate)
Our technology helps us make smart decisions that prioritize after-tax returns, not just gross performance.
Powered by Nitrogen
We use Nitrogen to bring full transparency and precision to your investment strategy:
- Determine your Risk Number®, a data-driven measure of how much risk you’re truly comfortable taking
- Compare your current portfolio to your goals and tolerance — are they aligned?
- Identify hidden fund fees in your current holdings and offer opportunities to reduce expenses
- We offer a complimentary portfolio fee analysis — helping you see exactly what you’re paying and how your money is invested
Nitrogen’s platform enables clear, actionable insights that give you more confidence in your plan.
Discover Your Personalized Risk Score
See how your investment risk tolerance aligns with your financial goals—take our quick assessment powered by Nitrogen’s Risk Number®.
Precision Rebalancing with iRebal®
We use Charles Schwab’s iRebal® platform, a sophisticated, rule-based rebalancing engine, to efficiently manage portfolios at scale.
- Tax-efficient rebalancing
- Dynamic cash management
- Tax-loss harvesting when applicable
Because iRebal® is fully integrated with Schwab Advisor Center®, we can implement portfolio changes across
multiple accounts with speed, consistency, and precision.
This efficiency is a key reason we’re able to offer our flat-fee model: regardless of your account balance,
managing your investments doesn’t require more time or cost.
You get institutional-quality portfolio management without asset-based fees.
