wealth investment management san diego

Investment Management

Managing your investments is about more than stocks and bonds – it’s about your goals, needs, and aspirations. Our investment management process begins with understanding you. Together, we’ll develop a plan based on your risk tolerance, liquidity needs, and long-term goals.

Our investment philosophy is grounded in an evidence-based approach – not influenced by market fads or hype. You can learn more about our investment philosophy here.

Once we determine the right investment plan for you, we will put your money to work using these time-tested principles. And we’ll revisit your plan on an ongoing basis to make sure it still aligns with your needs.

Key parts of our Investment Management Process include:

Your Investment Policy Statement: This is the roadmap that outlines your risk tolerance, tax considerations, liquidity needs, and other constraints. It describes the target asset allocation, or how much of your investments is allocated to various types of stocks and bonds. It is the plan your dedicated trader will use to manage your portfolio on an ongoing basis.

Investment Building Blocks: No matter which D&Y advisor you choose, you will have the same investments building your portfolio. Our Investment Committee, which meets every six weeks, is comprised of our advisory and trading team. The voting members are all CFA charterholders. They regularly review investment types and allocations to create models that are consistent across our clients.

Tailored to You: While the building blocks are the same, your portfolio will be tailored to your unique needs, accounting for tax considerations, investments you already have, concentrated positions, and cash needs.

Attending to Your Portfolio: Strategy is important, but execution is where the rubber meets the road. We are highly disciplined in monitoring your portfolio daily, rebalancing, and harvesting tax-losses in response to what’s happening in the markets.

Accessible Reporting: Transparency is a core value at D&Y. We want you to have as much information as you want when you want it. That’s why our DY Dashboard is available to you 24/7. You’ll find detailed performance information for your portfolio as well as your asset allocation, year-to-date income and expenses, realized gains and losses, and more, allowing you to see exactly how we are managing your assets.

Your Team: Your Lead Advisor is always available to answer questions and will meet or talk as frequently as you like. Your broader D&Y team will also provide quarterly updates on the markets, in addition to advice about how your investments connect to broader planning themes.


Discover the people who make Dowling & Yahnke one of San Diego's top wealth management firms.



Our team is available now to discuss all of your finance goals.