We don't pick investments account by account. We run a defined set of model portfolios, each with one job and its own written rules, and combine them to fit your plan.
Breakaway Financial Group builds every client portfolio from a defined set of model portfolios. Each one has a single job, such as broad diversification, steady dividend growth or exposure to assets that behave differently from stocks. Your risk profile decides which ones you hold and how much of each. Written rules decide what each one owns and when it changes.
Every model portfolio belongs to one of three building blocks. Your risk profile, set in your financial plan, decides how much goes into each.
The foundation. Broad, diversified global stock funds.
Focused portfolios of individual companies and industry funds, for growth.
Bonds, gold and other assets chosen because they have historically behaved differently from stocks.
Broad global stock funds that lean toward the regions and investing styles currently leading. One version is built for smaller accounts. Another holds a fixed mix designed for taxable accounts, where fewer trades mean fewer taxable sales.
About 25 large, profitable companies that lead their industries worldwide, spread across sectors in roughly the same proportions as the S&P 500.
About 25 companies with growing dividends, strong finances and historically smaller price swings than the broad market.
Up to 25 fast-growing, profitable companies whose share prices are leading the market. How we identify leadership
Eight industry and theme funds, such as semiconductors, cybersecurity or energy, chosen for strength, with one fund per group so no single theme dominates.
About five focus ideas drawn from the strongest growth leaders, with positions sized up or down in set steps. Used only for clients who want it and whose accounts are large enough to hold it.
A Bitcoin fund as the anchor, plus up to two other crypto holdings. A Bitcoin trend gauge decides whether the portfolio is fully invested, half in cash or all in cash. Available only to clients who choose it.
Bonds, gold and trend-following funds that have historically behaved differently from stocks. A short-term reserve version holds money for goals two to three years away. When longer-term bonds are in a downtrend, part of the money shifts to shorter-term and inflation-protected bonds. How we manage risk
Our stock portfolios work as one system, not as separate products. A company can move between them as it matures. A fast grower in our growth portfolio can graduate to quality leaders once it becomes a large, established leader. A quality company whose growth slows and dividend rises can graduate to the dividend-growth portfolio.
Each stock portfolio needs a minimum account size to buy whole shares of every company it holds. Below that size, a broad index fund takes its place, so smaller accounts still follow the plan. The high-conviction portfolio has no stand-in and is used only above its minimum.
We also decide which account holds which portfolio, so each piece sits where it works best for taxes. See how we think about tax-aware investing
No. Most clients hold several, never all. Your risk profile, your accounts and what you are open to owning decide the combination.
Some stock portfolios need a minimum account size to buy whole shares of every company. Below that size, a broad index fund stands in so the account still follows your plan.
No. Crypto is available only to clients who choose it, and your planning questionnaire records whether you are open to individual stocks or concentrated growth.
Your mix starts with your plan, not with a product list. Let us show you how these portfolios would come together for your goals and your accounts.
Book a planning conversationBack to our investment processThis is educational content, not personalized financial or tax advice, and not a recommendation to buy or sell any security or to adopt any investment strategy. Advisory services are offered through Savvy Advisors, Inc., an SEC-registered investment adviser; tax and business services are provided by Breakaway Financial Group. Investing involves risk, including loss of principal. Rules-based strategies may not perform as intended and can lag sudden market moves. Model portfolios are adjusted by the advisor for each client; individual results will differ. Past performance is not indicative of future results. Crypto assets are highly volatile and may not be suitable for all investors.