Individuals and Families

and Families

An investment strategy for an individual or a family should be as unique as they are. There is no one-size-fits-all strategy that works across the board. The Lineage Group prides itself on developing customized strategies regardless of your stage of life and investable assets.

The Lineage Group’s strategic objective is to create a financial plan that adapts with you over time.  We think of ourselves as your personal CFO.  We have access to an extensive suite of products and services, and our team focuses on filtering through the funnel of opportunities available to clients.  We also use alternative strategies such as private equity vehicles when it makes sense to do so. We leave no stone unturned including optimizing your social security strategy for when it comes time to retire.

Our typical client has a minimum of $500,000 to $5 million available to invest, and we have alternative strategies available for individuals or families that qualify as having a high net worth. From the straightforward to the most complex situations we have you covered.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results.

Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements.

We use these three phases of investing to help most clients plan for their future:

Accumulation Phase

At the onset of your investment lifecycle you need to focus on growing your assets. We work with you to establish a solid foundation within your portfolio to build your assets over time. Much of our investing inspiration derives from strategies used by large institutional investors such as Ivy League endowments.  We avoid market timing and maintain constant allocations to a diversified portfolio through cycles with managers we have screened for top-tier performance.  This approach minimizes the potential for common investment mistakes such as chasing returns and panic selling.

Distribution Phase

Once a base has been established it is time to get your money to work for you and generate income.  Given our typical client is within 5-10 years from retirement, this is an area we spend considerable resources on.  We are confident we have an income strategy for every potential client, from the risk averse requiring principal preservation to those seeking growth income in retirement.   

Wealth Transfer Phase

Creating a succession plan and strategy for how your wealth will be passed along is never an easy conversation, but it is one that is crucial to ensuring the financial future of your family. We sit down together and discuss all of the variables that are required to pass along all of your hard work to the next generation.