Konvergent Investment Philosophy

You have worked hard for your wealth. Now it’s time for your money to work for you – as often and efficiently as possible. Therefore, the core of our investment philosophy is crafted around the ability to compound returns… and ultimately enhance your wealth.

Why do people consider investing with an investment firm? Most often, they believe the firm has some unique insight that lets them see into the market future. In navigating today’s complicated markets, you want investment managers who can identify markets that go up and avoid the ones that go down.

However, despite what investment firms say, there is no crystal ball to see around corners. The future will continue to be, as it has always been, impossible to predict. Therefore, our approach is to prepare you and your portfolio for whatever might come rather than trying to predict the exact path.

Konvergent All Weather Approach

Most investors believe they are diversified if they hold a mix of US Equities, Foreign Equities, Private Equity, Venture Capital, Real Estate and Bonds. These assets are very dependent on a positive economic and credit market cycle. When times are good, they will all typically go up together. However, when times are bad, they also all go down together.
At konvergent, we believe in an All Weather approach. One that combines a good offense with a good defense by adding asset classes to your portfolio that do well when your traditional assets do poorly.

These include assets like Long Volatility, Commodity Trend, and Gold. By combining these assets classes together, you can still capitalize on the upside of a growth cycle in the economy while also being prepared for significant drawdowns. By properly structuring your portfolio, you can still achieve the return you need to achieve your goals while reducing the potential downside in your portfolio.

If you are holding assets that cannot be sold or would have significant tax consequences, we can replicate this process by supplementing your current portfolio with the defensive asset classes. By adding a negatively correlated asset to your concentrated stock position, it can work to provide a similar level of protection as a fully diversified portfolio. These strategies benefit from increased volatility, whether that is at the portfolio level or individual stock level.

Custom Tailored Solutions

In addition to our core philosophy around how we construct portfolios with an All Weather approach, we have access to sophisticated solutions for our clients to get access to private equity, private debt, venture capital and other hedge funds that we have preferential access to with lower minimums to allow for broader diversification in those markets.

Aligning With Your Goals

Before the investing process can begin, we believe the most important step is getting to know YOU. What are your goals, hopes, and dreams? What is the purpose of the investments we’ll oversee? What are your biggest challenges and fears? We believe that finding out the Why is just as important as How to invest your funds.

Your primary goal may be to preserve your money above the inflation rate or to grow your money in the equity markets. It may be to simply enjoy the fruits of your saving habits down the line. By gaining a thorough understanding of where you’re coming from, we can create a personalized strategy that aligns with your goals.

Risk Assessment & Willingness

Once we know your goals, we can properly assess your ability to take on risks. Risk Assessment starts by identifying potential future events that may have a poor impact on your financial goals. Then we combine this knowledge with your Risk Willingness – how much loss are you willing to bear before you abandon your strategy? Your risk willingness may change over time, depending on the markets and your life situation. This is why it is important to have a trusted advisor in your corner to help you through the ups and downs.

Rather than manage your money based on your chronological age, we manage money based on how long your money has to work on your behalf before you need it.

This guidance seeks to help you answer the following questions: Do you have enough money? Is it in the right places? Which assets do you use first?

Konvergent Managed Models

At Konvergent we believe that each client is unique and deserves an equally unique portfolio strategy to reach their investing goals. Our investment team have worked with fund managers and our research partners to create internally managed models.

These models when used in all All Weather approach allows us to give your portfolio a focus of growth, fixed income, preservation or minimal capital gains.


    • All Weather
    • Growth Equity
    • Fixed Income
    • Tax-Sensitive
    • Structed 60/40