Customized Investment Strategies: Tailor Your Portfolio with Professional Help

Every investor has unique financial goals, risk tolerance, and investment preferences, which is why customized investment strategies are important.

Working with a qualified financial advisor can tailor your investment portfolio to align with your specific needs and objectives.

A financial advisor who is also a Certified Public Accountant (CPA) has expertise that can be particularly beneficial in crafting personalized investment plans.

Personalization in Investing

To create a successful investment strategy, personalize it based on your unique circumstances.

Diversification and Risk Management

One of the fundamental principles of investing is diversification.

Diversifying your portfolio means spreading your investments across various asset classes, like stocks, bonds, and cash. The goal is to reduce risk by not putting all your eggs in one basket.

Customized investment strategies consider your risk tolerance and help you strike the right balance between risk and return. If you’re risk-averse, your portfolio may be more conservative, with a higher allocation to bonds and cash.

Suppose you have a higher risk tolerance and a longer investment horizon. In that case, your portfolio may be more aggressive, with a larger allocation to stocks, which are more volatile than bonds but have the potential for higher returns.

Goal-Oriented Investing

Your financial goals play a significant role in determining your investment strategy. Are you saving for retirement, buying a home, or funding your child’s education? Each goal has a different time horizon and may require an additional investment approach.

Customized investment strategies align your investments with your specific goals. They consider the time horizon, liquidity needs, and expected returns required to achieve those goals.

Tax Efficiency

Taxes can have a significant impact on your investment returns. Different investments are subject to different tax treatment. Customized investment strategies take into account your tax situation.

Your strategy may include tax-efficient investments like municipal bonds or tax-managed funds if you’re in a high tax bracket. If you have tax-advantaged accounts like an IRA or 401(k), your portfolio allocation may be adjusted to take full advantage of the tax benefits afforded by these retirement accounts.

The Role of a Financial Advisor

Creating a customized investment strategy that aligns with your unique financial situation requires expertise and experience. An advisor can help you navigate the complexities of the financial markets and create a personalized investment plan tailored to your needs.

When a financial advisor also holds the Certified Public Accountant (CPA) designation, it adds an extra layer of expertise to their services.

A CPA is a professional accountant who has met specific education, experience, and examination requirements to earn the CPA designation. CPAs are licensed by state boards of accountancy and are authorized to provide a wide range of accounting and financial services, including tax preparation, audit, and financial planning.

Here’s how a CPA/Financial advisor can be especially helpful:

Comprehensive Financial Planning

CPAs have a deep understanding of financial planning, including tax planning, estate planning, and retirement planning. They can integrate these aspects into your customized investment strategy so that your investments align with your overall financial plan.

Tax Optimization

CPAs are well-versed in tax laws and can help you minimize tax liabilities. They can also provide guidance on tax-efficient investment vehicles and strategies.

Estate and Succession Planning

CPAs can provide valuable insights into structuring your investments and assets to minimize estate taxes and help you create an estate plan to implement your wishes. While CPAs do not create legal documents, they can coordinate with your trusts and estates attorney.

If you’re considering a customized investment strategy with the guidance of a financial advisor who is also a CPA, here are some steps to get started.

Assess Your Financial Situation

Begin by evaluating your financial situation, risk tolerance, and goals. List your financial objectives and how much risk you are comfortable assuming. This self-assessment is the foundation of your customized investment strategy.

Find a Qualified Financial Advisor Who is a CPA

Look for a qualified and experienced financial advisor who holds the CPA designation. Seek recommendations from friends or family, or research advisors in your area. Confirm that the advisor specializes in financial planning and investment management.

Schedule an Initial Meeting

Contact qualified advisors and schedule an initial meeting or consultation. During this meeting, you can discuss your financial goals and understand the advisor’s approach and expertise. Ask about their experience in creating customized investment strategies.


Work closely with your CPA advisor to create a personalized investment plan. Communicate your goals, risk tolerance, and specific preferences for your portfolio. Discuss how your investment strategy will integrate tax optimization and financial planning.


Once your investment plan is finalized, your advisor will help you implement it. This process may involve opening new investment accounts, making investment selections, and structuring your portfolio according to the plan.


Stay engaged with your advisor and schedule regular portfolio reviews. Discuss any changes in your financial situation or goals, and be open to adjustments as needed to keep your strategy aligned with your objectives.

Final Thoughts

Customized investment strategies are powerful for investors who want their portfolios to reflect their unique financial goals, risk tolerance, and tax situation. By working with a professional advisor who is also a CPA, you can benefit from a comprehensive approach that integrates financial planning, tax optimization, and investment management.

At Aura Wealth Management, our founder, Bert Doerhoff, is a financial advisor and a CPA.