Investment Management Services
Built around your goals, not the headlines.
We build disciplined, low-cost, tax-aware portfolios designed to support
your goals through market cycles.
We don't pick stocks. We build portfolios.
Markets can be unpredictable. Your investment strategy shouldn’t be. We focus on
what we can control and plan for what we can’t.
Diversification
Diversified across asset classes and global markets to help grow and manage risk
Tax-aware by design
We are deliberate about asset location and execute tax-loss harvesting when opportunities arise.
Cost-efficient investing
We favor low-cost, tax- efficient ETFs over higher- cost products
Disciplined rebalancing
Keeping your portfolio aligned with your goals instead of reacting to short-term market swings.
Control what we can. Plan for what we can't.
Markets, interest rates, and policy are outside our
control. Here’s where we focus our energy instead:
Construction. Building diversified portfolios aligned with your goals, time horizon, and risk tolerance.
Tax efficiency. Harvesting losses, locating assets in the right accounts, and coordinating with your plan
Behavior. Helping you stay disciplined during market volatility instead of reacting emotionally
Adjustment. Revisiting your portfolio as your life and goals change
WHEN APPROPRIATE: We help clients evaluate alternative investments to determine whether they support their goals and overall portfolio strategy.
Investing reads worth your time.
Straightforward articles on how we think about markets, risk, and long-term
investing.
Money Talk – 2026 Q2
Money Talk – 2026 Q1
Trump Accounts – Long-Term Investment Vehicle for Kids
Financial planning questions, answered.
How does Astoria invest client money?
A: We build diversified portfolios using low-cost, tax-efficient Exchange Traded Funds (ETFs). We offer several portfolio models to align with your time horizon and risk tolerance. We don’t pick individual stocks or try to time the market.
Do you try to beat the market?
A: No. We believe markets are largely efficient over time, so we focus on diversification, tax efficiency, cost, and discipline (the factors we can actually influence) rather than chasing returns.
How do you manage taxes in my portfolio?
A: We use strategies like tax-loss harvesting, asset location (placing less tax-efficient holdings in the right accounts), and tax-bracket-aware decisions. Investment and tax planning work hand in hand.
Who holds my money?
A: Client assets are held at Charles Schwab, our independent custodian. Astoria manages your portfolio; Schwab is the custodian of the assets.
Can you manage my 401(k) or other held-away accounts?
A: Yes. We provide recommendations on held-away assets like a workplace 401(k) so it aligns with your overall portfolio. We can help you rebalance over time and ensure your beneficiaries are aligned to your plan.
How much does Astoria charge to manage my investments?
A: We’re a fee-only firm, which means we are only compensated by the fees you pay us, not earning any commissions from product sales. Our fees are transparent, competitive, and designed to match your needs.
Want a second look at how you're invested ?
A short conversation can tell you a lot. We’ll talk through your goals
and how a disciplined, tax-aware approach could fit.
