Safeguarding Wealth Against a Dynamic Worldwide Landscape
At Armbruster Capital Management, we believe risk management is about keeping your money’s value and ensuring your finances are built to last. As technology and markets continue to evolve, it’s not enough to just sit back and hope for the best. That’s why part of our investment process includes assessing the potential risks to your wealth in three main areas: investments, your financial setup, and personal matters.
Investment and Market Risk
Our philosophy acknowledges that risk cannot be completely eliminated, but it can be measured, understood, and thoughtfully managed. We leverage rigorous research and data-driven insights to help protect your capital and seek resilient growth.
Managed Volatility Tilts
By selecting assets with lower historical price volatility, we aim to provide a smoother investment experience and reduce the likelihood of emotional decision-making in market downturns.
Sequence-of-Return Protection
For clients in or near retirement, we implement specific asset allocation and liquidity strategies to ensure that a market correction doesn’t force the sale of assets at depressed prices.
Systemic Stress Testing
We move beyond standard deviation to perform rigorous scenario modeling, evaluating how your portfolio would perform in environments of high inflation, stagflation, or geopolitical disruption.
Structural and Legislative Risk
Wealth can be diminished by less visible risks, such as tax exposure and evolving regulations. Our team of experienced professionals works proactively to help shield your portfolio from these challenges.
Tax-Loss Harvesting & Asset Location
We proactively manage the tax “drag” on your portfolio, ensuring that legislative changes, such as those in the 2026 tax code, do not erode your net returns.
Fiduciary Oversight
As fee only fiduciaries, we mitigate the risk of “conflicted advice” often found in commission-based models. Our recommendations are driven solely by your best interests.
A Proactive Stewardship Model
At Armbruster, risk management is a continuous discipline, not a checklist. We monitor new risks, from legislative changes to market shifts, to help protect your portfolio and productivity in all market environments.