Invest
Investing as part of the plan, not apart from it.
Your investments should serve the plan, retirement, goals, and values, with transparent fees and no products to sell. We build portfolios you can understand and leave running.
Our Commitment
Investing principles that answer only to you.
Fee-only, fiduciary, and transparent. Every investment decision connects back to your plan, your timeline, and your values, never to a commission.
- 01
Transparency
You always know how your funds are allocated, what you’re paying, and why a fund is in the portfolio. No black boxes.
- 02
Liquidity
We focus on liquid investment funds and accounts, stability, growth potential, and the ability to act when life changes.
- 03
Availability
Your money stays available. You can access your funds when and if you need them, no surprise lockups, no surrender charges.
- 04
Values-Aligned Investing
If you want your portfolio screened against the values you hold, we build that in, with the option to exclude specific companies or industries.
Where Investing Lives
From your 401(k) to a personalized portfolio.
For higher-net-worth households
Wealth Management
If you have substantial assets to invest, we build specific strategies to optimize wealth, holdings, and the relationships between accounts, businesses, and estates.
- Coordinated multi-account strategy
- Tax, estate, and entity awareness
- Quarterly review cadence
Short-term money, 1–2 years
High-Yield Savings
Emergency funds and near-term goals belong in high-yield accounts that actually pay you a fair rate. We help you place each layer of cash.
- We help you find the right high-yield account
- No products sold, no commissions
- Right account for the right purpose
Active workplace plans
401(k) / 403(b) Management
We optimize your 401(k), 403(b), or IRA, translating the available funds into a setup you can confidently leave running, and coordinate it with the rest of the plan.
- Active monitoring of your plan
- Allocation tuned to your timeline
- Coordinated with the rest of your plan
Within available funds
401(k) Portfolio
We build the best portfolio possible from the funds your employer’s plan actually offers, not a wishlist of what we’d prefer.
- Built from the menu you have
- Risk-adjusted to your horizon
- Reviewed alongside personal accounts
Outside of workplace plans
Personalized Investment Portfolio
Outside of workplace plans, we build a personalized portfolio of ETFs and stocks, tax-aware, transparent, and aligned to your goals and values.
- Mix of ETFs and individual stocks
- Passive or active strategy
- Tax-loss harvesting where it fits
- Option to exclude specific companies
Our Investment Process
How we choose what your money is invested in.
A four-stage screening process, values, fundamentals, quality, and personalization, so the portfolio reflects both careful stewardship and what matters to you.
EPI Screening
Proprietary screening to identify companies most effective at managing material risks across earth, people, and corporate integrity.
Quantitative Screening
Quantitative thresholds, relative market cap, P/E, sales growth, and similar metrics, to identify strong performers within sectors.
Quality Screening
Qualitative research and analysis, management team, track record, and durability of competitive advantages, to find strong long-term performers.
Customized Equity Portfolio
A portfolio personalized to the issues you’ve prioritized, with weights and exclusions calibrated to what actually matters to you.
Portfolio Values
A portfolio you can stand behind.
Pick the issues that matter to you. We screen the personalized portfolio for them and exclude the rest, no fine print, no greenwashing.
Protecting the climate
Reducing emissions and overall carbon footprint across the holdings.
Mitigating waste
Reducing harmful chemicals and waste released to water and land.
Conserving natural resources
Optimizing efficiency in energy, water, and raw material use.
Protecting consumers
Supporting consumer protection, product safety, and fair billing.
Acting ethically as corporations
Eliminating anti-competitive practices and intellectual-property abuses.
Reducing corruption
Eliminating bribery, fraud, and other unethical business behavior.
Treating employees fairly
Improving employee diversity, protections, and access to benefits.
Advocating for human rights
Protecting the dignity of people and communities across the supply chain.
Strengthening data privacy
Improving the ethical and safe collection, use, and protection of personal data.
Fee-Only Fiduciary
We prioritize your financial interest.
We don’t sell financial products.
The plan is the deliverable. We don’t make money based on which fund or product you end up in.
We don’t take commissions.
Fee-only, fiduciary, and aligned with your outcome, not a product manufacturer’s.
Start Here
Let’s talk investing.
A free 1-hour conversation. We’ll look at where your money is, what it’s costing you, and how it could better serve the plan, with clear next steps either way.
We Financial Core · (650) 910-4990 · info@wefinancial.com