Canty Financial

estd 1998

How We Invest

Built Around
After-Tax Outcomes,

Not Market Predictions.

At Canty Financial Management, investing is not about reacting to headlines or chasing short-term performance. It’s about building a disciplined system that aligns investments, taxes, and financial planning to support long-term goals.

Markets are unpredictable. Taxes are permanent.
Poor decisions compound quietly.

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Investment Philosophy

Discipline Over Prediction
Portfolio Design

Risk-Aligned
Portfolio Design.

“Our investment strategies are designed to hold up through full market cycles, not just favorable environments.”

Every portfolio begins with a clear understanding of: time horizon, financial goals, cash-flow needs, and tolerance for market volatility.
Portfolios are designed to align with the appropriate level of risk for each client, and that risk level changes only when life circumstances change, not when markets fluctuate.
Within that risk framework, portfolios are actively monitored and may be positioned thoughtfully over time, without altering a client’s overall risk exposure.
We do not increase or reduce a client’s overall risk exposure based on short-term market movements or headlines.

Our role is to reduce risk through structure, coordination, and thoughtful execution.

We focus on building portfolios that can be maintained with discipline through both market advances and market stress.
Investment Framework

Three Pillars of Our
Investment Approach.

Our portfolios are built on global diversification, strategic flexibility within structure, and disciplined risk management across full market cycles.

01

Global Diversification as Risk Management

We construct globally diversified portfolios across asset classes, sectors, and regions to reduce concentration risk and manage volatility over full market cycles. Exchange-traded funds (ETFs) are used for their transparency, efficiency, and flexibility.

02

Strategic Structure, Tactical Flexibility

Within an established risk profile, we may implement modest, time-bound sector or regional tilts over a 12–18 month horizon when supported by longer-term valuation, economic, or structural factors. These adjustments are diversified, size-constrained, and do not change a client’s overall risk exposure.

03

Planning-Driven Adjustments

Portfolio changes are driven by real-world events, not market noise. Adjustments occur when retirement timing changes, income needs shift, assets are inherited, businesses are sold, or tax circumstances evolve. Investments are managed as part of a broader financial plan, not in isolation.
Tax-Aware Investing

Tax-Aware Portfolio
Management.

Taxes are treated as a controllable cost, not an afterthought. Our investment decisions are coordinated with your broader tax picture.

Ongoing, systematic tax-loss harvesting where appropriate

Capital-gain-aware rebalancing

Tax-efficient transitions of legacy holdings

Asset location across taxable and retirement accounts

After-Tax Focus

Improving After-Tax Outcomes, Not Just Pre-Tax Returns

By integrating investment management with tax planning, we focus on improving after-tax outcomes. Taxes are integrated into our investment process through asset location, tax-aware rebalancing, systematic tax-loss harvesting, and thoughtful transitions of legacy holdings.
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Fee-Only · Fiduciary · SEC-Registered
No commissions. No product sales. Our compensation comes solely from client fees, never from third parties.
Disciplined Framework

Disciplined Portfolios Within
a Defined Risk Framework.

Our portfolios are built using a layered approach that combines global diversification, disciplined risk management, and ongoing tax-aware execution.

Risk Levels Set by Goals

Risk levels are set based on client goals and time horizon, not market conditions. Your portfolio’s risk profile changes only when your life circumstances change.

Positioning Within Structure

Positioning adjustments are applied thoughtfully within the established risk framework. Modest, time-bound tilts may be implemented when supported by longer-term factors.

Tax-Aware Execution

Tax strategies are applied continuously to improve long-term, after-tax outcomes. Harvesting, rebalancing, and asset location are all coordinated within your broader financial plan.

Life-Driven Adjustments

When retirement timing shifts, income needs evolve, assets are inherited, or businesses are sold, portfolios adapt. Investments respond to your life, not to headlines.

“Your investments should serve your financial plan, not the other way around. Every portfolio decision is made within the context of your broader goals.”

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Our Firm

Experience, Continuity,
and the Next Generation.

Our investment approach is shaped by decades of experience and carried forward by the next generation of leadership.
Founded by Bill Canty, our firm has guided clients through multiple market cycles with a disciplined, long-term investment philosophy. Today, that foundation is paired with the active involvement of the next generation, bringing continuity, fresh perspective, and hands-on execution to every client relationship.

A family-owned, independent fiduciary firm.

We combine experience with accountability, applying a consistent investment framework while adapting thoughtfully to changing client needs and market environments.
Risk Profiles

Portfolio Risk Profiles.

Examples of portfolio risk profiles used to align investments with goals, time horizon, and tolerance for volatility. Each portfolio is managed within a disciplined investment framework and may include thoughtful positioning and tax-aware adjustments, while maintaining its intended risk level.

Aggressive

Long-term growth-focused

Designed for long-term investors with a high tolerance for volatility and a primary focus on capital appreciation. Short-term fluctuations are expected and accepted in pursuit of higher long-term growth.

Semi-Aggressive

Growth with moderated volatility

Designed for investors seeking long-term growth with some risk moderation. Portfolio values will fluctuate, and returns may differ from equity markets in any given year.

Moderate

Balanced growth and stability

Designed for investors seeking a balance between growth and risk management. Emphasizes diversification across equities and fixed income to support long-term goals with reduced volatility.

Conservative

Income-focused, limited growth

Designed for investors with shorter time horizons or upcoming income needs. Emphasizes capital preservation and income, with limited equity exposure for modest growth potential.

Preservation

Minimal volatility

Designed for near-term goals or withdrawals. Focuses on stability and income, with limited equity exposure to help offset inflation while prioritizing capital protection.

Bonds & Money Market

Capital stability and liquidity

Designed for very short-term horizons or low risk tolerance. Focuses exclusively on fixed income and cash equivalents, with no equity exposure.

FAQ

Frequently Asked
Questions.

Answers to what we hear most often from prospective clients about our investment approach and process.

Yes. Canty Financial Management is an independent, fee-only SEC Registered Investment Advisor and a fiduciary at all times. We do not sell financial products, earn commissions, or receive compensation from third parties. Our advice is structured to remain objective and aligned solely with our clients’ best interests.

Portfolios are monitored on an ongoing basis and reviewed regularly. Rebalancing typically occurs quarterly, with additional adjustments made when client circumstances, portfolio structure, or tax considerations warrant — not in response to short-term market movements.

We do not attempt to predict short-term market movements or trade based on headlines.

Within an established risk profile, we may implement modest, time-bound sector or regional positioning adjustments over a 12–18 month horizon when supported by longer-term valuation, economic, or structural factors. These adjustments are size-constrained, diversified, and do not change a client’s overall risk exposure.

Charles Schwab & Co., Inc. is the custodian of client investment accounts. Canty Financial Management is independent and unaffiliated with Charles Schwab. Charles Schwab is an SEC-registered broker-dealer and SIPC member.

Clients receive reports detailing portfolio positions, cash balances, transaction details, income, and expenses on a monthly basis from Charles Schwab. Clients are also able to access their accounts online through Charles Schwab’s website and mobile app. In addition, Canty Financial Management provides reports detailing portfolio positions, cash balances, and top holdings.

When life changes, portfolios adapt. Investment decisions are revisited when retirement timing shifts, income needs evolve, assets are inherited, businesses are sold, or tax circumstances change. Adjustments are made within the context of a broader financial plan to ensure portfolios remain aligned with long-term objectives.

Taxes are integrated into our investment process, not treated as an afterthought. We coordinate portfolio management with tax planning through asset location, tax-aware rebalancing, systematic tax-loss harvesting where appropriate, and thoughtful transitions of legacy holdings — with the goal of improving long-term, after-tax outcomes.

Considering a Disciplined Approach

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Conversation.

See whether our investment approach aligns with your situation — no obligation, no pressure.

Let's discuss your
financial strategy.

Schedule a confidential consultation to explore how coordinated
wealth management
can bring clarity and structure to your financial life.
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Canty Financial

Independent, fee-only fiduciary advisors serving families since 1987.
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