Portfolio Review

Investment portfolio review across Tampa Bay

A portfolio review is a second opinion, not a sales pitch for a new set of investments. We match you with a Tampa Bay planner who looks at your actual allocation, the fees you are paying, and whether your holdings are as diversified as you think they are, especially common after an inheritance, a job change with employer stock, or a divorce, when portfolios get inherited or split without much intention behind the resulting mix.

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Planner reviewing an investment portfolio allocation report with a client in Tampa Bay

What's included in this service?

Ask what prompted the review and what you already know or do not know about your current holdings
Match you with a planner who provides an independent portfolio review, not a product pitch
Confirm the planner will walk through allocation, fees, and concentration risk clearly
Connect you directly so the planner can review your actual statements with you
Follow up to confirm the review answered what you were trying to find out
Never manage your portfolio or execute trades ourselves

When do you need this service?

You inherited an investment portfolio and are not sure what you actually own
A large portion of your net worth is concentrated in one company's stock from a job or inheritance
You have not checked what you are actually paying in fund expense ratios or advisor fees in years
A divorce split accounts and you want to know if what you kept still makes sense as a standalone portfolio
You want a second opinion on a portfolio someone else built before making a big change

What do people ask about Portfolio Review?

What does a portfolio review actually check?

A thorough review looks at your asset allocation relative to your goals and timeline, how much you are paying in fund expense ratios and any advisor fees, whether any single holding makes up too large a share of your net worth, and whether your accounts are structured tax-efficiently across taxable, tax-deferred, and Roth accounts. A planner can walk through each of these against your actual statements.

What is a step-up in basis and why does it matter for an inherited portfolio?

When you inherit investments, their cost basis generally resets to the value on the date of the original owner's death, which can significantly reduce the capital gains tax owed if you later sell. This is exactly the kind of detail that gets missed without a review, since selling inherited shares without understanding the stepped-up basis can lead to overpaying taxes or, in other cases, unnecessary hesitation to sell at all. A planner or CPA can confirm the correct basis for your specific inheritance.

How do I know if I am too concentrated in one stock?

A common guideline some planners use is keeping any single stock position under 10 to 15 percent of your total portfolio, though the right number depends on your overall situation and risk tolerance. This shows up often with employer stock from a 401k or vesting equity compensation, where the concentration built up gradually without anyone deciding it should. A planner can quantify your actual exposure and walk through diversification options.

Are index funds better than actively managed funds?

It depends on the specific funds being compared, index funds generally carry lower expense ratios, and lower costs meaningfully help long-term returns, but the right mix depends on your goals, tax situation, and what you already hold. A planner can walk through your specific fund lineup and expense ratios rather than a blanket recommendation either way.

Will the planner try to move my accounts to manage them?

That depends on the planner and the type of engagement you choose, some offer a standalone review with no obligation to move anything, others only work with assets they actively manage. Ask directly, before the review, whether it is independent or tied to moving your accounts, so there are no surprises afterward.