Portfolio Management

Coordinating Your Investments Across Accounts

Portfolio management is the discipline behind your investments, how your assets are allocated, diversified, and rebalanced over time, taking into consideration your goals, time horizon, and risk tolerance. We build and maintain a structure designed to work together across every account you hold.

Who is this For?

People with investments spread across multiple accounts who want them working as one strategy

Those who want a disciplined approach to diversification and risk

Investors who want ongoing rebalancing rather than a static allocation

What Portfolio Management Includes

Asset Allocation

Asset allocation is how your investments are divided among categories such as stocks, bonds, and cash. The right mix should reflect your financial goals, investment timeline, and comfort with risk.

Asset allocation is an investment strategy that will not guarantee a profit or protect you from loss.

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Diversification

Diversification spreads investments across and within different asset classes to help reduce concentration risk. It can help limit the impact that any one investment or area of the market has on your overall portfolio.

A diversified portfolio does not assure a profit or protect against loss in a declining market

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Rebalancing

As markets change, your portfolio can drift away from its intended asset allocation. Rebalancing periodically adjusts your investments to bring your portfolio back in line with your target allocation and risk profile.

Rebalancing may be a taxable event. Before you take any specific action be sure to consult with your tax professional.

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Coordinating 401(k)s, IRAs & Taxable Accounts

Looking at your 401(k), IRAs, and taxable investment accounts as parts of one portfolio can help create a more coordinated investment strategy aligned with your overall financial goals.

Some IRAs have contribution limitations and tax consequences for early withdrawals. For complete details, consult your tax advisor or attorney.

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Reducing Unnecessary Overlap

Reviewing investments across your accounts can help identify unnecessary overlap or concentrations within your portfolio. This provides an opportunity to create a more intentional and diversified investment mix.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

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Asset Location Considerations

Asset location considers which types of investments are held within taxable and tax-advantaged accounts. Incorporating tax considerations into investment decisions can support a more tax-aware approach to managing your overall portfolio.

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Portfolio Management for Growth: Building Your Strategy

At Mattson Wealth Management, portfolio management begins with understanding the complete picture of your portfolio and goals. We manage investments using our primary Investing for Growth discipline, complemented by growth of income, fixed income, and other approaches as appropriate. Our guide below explores key considerations and components of a thoughtful portfolio management strategy.

View Investing For Growth Guide

Our Planning Process

Assess

We review your full account picture, including 401(k)s, IRAs, and taxable accounts, alongside your time horizon and risk tolerance.

Strategy

We design an individualized asset allocation built around what matters most to you.

Manage

We coordinate and rebalance your accounts as one strategy, adjusting as markets and your goals change.

The Outcome

A portfolio structured for your goals, with every account working toward the same strategy.

Key Benefits

Mattson Wealth Management manages your accounts as one coordinated strategy rather than a set of separate pieces, applying a disciplined approach to diversification and risk across everything you hold. Regular rebalancing keeps your allocation on track, while reduced overlap between accounts helps your portfolio work more efficiently. The result is a structure built to help you weather changing markets.

Frequently Asked Questions

What's the difference between portfolio management and investment management?

Investment management focuses on selecting and monitoring individual investments. Portfolio management looks at how everything works together across your accounts: allocation, diversification, and rebalancing.

Do you manage employer retirement accounts like a 401(k)?

We can review and provide guidance on employer plans as part of your overall portfolio, even when we don't directly manage the account.

How do you decide on rebalancing?

We monitor your portfolio against target allocations and rebalance when it drifts meaningfully or when your goals change.

Will my portfolio look the same as everyone else's?

No. Your allocation is built around your specific goals, time horizon, and risk tolerance, not a one-size-fits-all model.

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