Investment Advisory Services

A Focus Directive Portfolio is Weston Banks’ proprietary investment framework. Rather than assigning clients to a standard risk-based model, we build a custom allocation that reflects your specific financial situation: your income sources, your tax position, your time horizon, and your long-term goals. The framework ensures your investments work in coordination with your retirement plan, your tax strategy, and your estate plan rather than in isolation.

Weston Banks offers access to private equity, private credit, real estate syndications, and Delaware Statutory Trusts. These asset classes are not available through most advisory firms and generally require accredited investor status. Alternative investments can reduce correlation with public markets, provide income in different economic conditions, and offer tax deferral options not available through standard vehicles. We review and vet each alternative before presenting it to clients.

A private placement is an investment offering made directly to select investors rather than through a public exchange. These are typically available only to accredited investors with a net worth above $1 million or annual income above $200,000. Private placements can include equity in private companies, debt instruments, or real estate opportunities. At Weston Banks, we source and evaluate private placements and present them to clients where they fit the individual financial plan. Alternative investments carry higher risk than standard public market investments.

Weston Banks charges an annual fee based on assets under management, typically around 1% per year on the total value of assets we manage. This is a fee-only model, meaning we do not earn commissions on the investments we select. Our incentive is to grow and protect your assets, not to sell you a product. The exact fee structure is discussed transparently during your initial consultation before any agreement is signed.

Our advisory model is built around clients who want full-service investment management rather than a self-directed approach. Many clients come to us having managed their own investments for years and find they have been missing tax-efficient strategies, alternative asset access, and coordinated planning. If you are currently self-managing and want to explore what a managed approach could offer, a free consultation is the best way to find out.

Yes. We work with clients on rollover strategies for 401k and IRA accounts, particularly for those approaching retirement or leaving an employer. Rolling over into an IRA managed by Weston Banks allows us to incorporate that capital into your full financial plan and coordinate withdrawals with your tax plan.

No. While public equities and fixed income form the core of most portfolios, Weston Banks also provides access to alternative investments and private placements for qualified clients, including real estate syndications, private equity, private credit, and Delaware Statutory Trusts. The allocation to alternatives depends on the client’s goals, risk tolerance, and accredited investor status.

We monitor client portfolios continuously and conduct formal reviews on a scheduled basis, typically quarterly or semi-annually depending on client preference. Between reviews, we contact clients proactively when market conditions, tax law changes, or life events warrant a portfolio adjustment.

Our services are best suited to clients with $500,000 or more in investable assets. Below that threshold, the cost-benefit of a full-service advisory relationship with alternative investment access may not be the right fit. We are straightforward about this in initial consultations.

Yes. As a registered investment advisor operating under Prospera Financial Services, Weston Banks is held to fiduciary standards. Every investment recommendation must be in your best interest. We do not receive commissions for recommending specific products. You can verify our regulatory record through FINRA BrokerCheck at brokercheck.finra.org.