Portfolio strategies
Pick Your
Financial Path.
A full range of portfolios built for different account sizes and risk profiles. Every portfolio is designed for your specific financial objectives.
Start Your Journey
Portfolio Offerings
Core Stock Portfolios
Our Core Stock strategy blends high-conviction individual stocks with ETFs and fixed income — proportioned to your risk profile. Designed for accounts above $50,000, the strategy pursues higher returns through active selection while keeping risk in check.
Discover our Equity Portfolios
Conservative
Designed for those seeking steady growth and income.
Our Conservative Portfolio employs a disciplined, risk-aware strategy. We prioritize high-quaity, dividend-paying stocks and stable fixed-income investments to provide a foundation for steady, long-term growth.
Time Horizon: Investors nearing or in retirement
Risk Tolerance: Low to moderately low, risk-averse
Goals: Prioritize capital preservation & income
Moderate Growth
The sweet spot between growth and stability.
Our Moderate Portfolio strikes a balance between growth and stability. We blend value and growth stocks across diverse sectors, actively managing the allocation to capitalize on market opportunities while mitigating downside risk.
Time Horizon: Accumulation stage investors with medium-term time horizons
Risk Tolerance: Balanced risk, willing to accept some volatility for potential growth
Goals: Prioritize growth while maintaining moderately low volatility.
Aggressive
Designed for those who dare to dream big.
Our Aggressive Portfolio leverages cutting-edge research to identify transformative trends and companies. We actively manage the portfolio, making tactical adjustments to capitalize on short-term opportunities while maintaining a long-term growth focus.
Time Horizon: Accumulation stage investors with longest time horizon.
Risk Tolerance: Willing to accept significant volatility for max growth potential.
Goals: Prioritize maximizing returns over minimizing risk.
ETF Portfolios
Our ETF Portfolios offer a streamlined solution for investors seeking broad diversification without the complexity of individual stock selection. We blend growth-oriented equity ETFs with fixed income allocations to balance long-term appreciation with stability — creating portfolios tailored to your unique objectives and account size.
Discover our ETF Portfolios
Fixed Income ETF
Designed for those seeking steady growth and income.
100% allocated to fixed income ETFs and mutual funds. Maximum stability and income generation. Ideal for capital preservation with minimal market exposure.
Time Horizon: Short
Risk Tolerance: Unwilling to accept meaningful volatility
Goals: Prioritize capital preservation and steady income over growth
Conservative ETF
The sweet spot between growth and stability.
30% equity ETFs blended with 70% fixed income ETFs. A conservative approach combining modest growth potential with strong income and stability.
Time Horizon: Short to Medium
Risk Tolerance: Willing to accept minimal volatility
Goals: Focus on preserving capital while generating modest returns
Conservative Growth ETF
Designed for those who dare to dream big.
45% equity ETFs blended with 55% fixed income. Slightly more growth-oriented than the Conservative model while maintaining a majority allocation to income-producing fixed income assets.
Time Horizon: Medium
Risk Tolerance: Willing to accept low to moderate volatility
Goals: Capital preservation with modest growth
Moderate ETF
Designed for those who dare to dream big.
60% equity ETFs blended with 40% fixed income. The sweet spot between growth and stability — equal emphasis on capital appreciation and income generation with broad diversification.
Time Horizon: Medium
Risk Tolerance: Willing to accept moderate volatility
Goals: Achieve balanced growth while managing risk
Moderate Growth ETF
Designed for those who dare to dream big.
70% equity ETFs blended with 30% fixed income. A growth-leaning portfolio that still maintains meaningful fixed income exposure to cushion against market volatility.
Time Horizon: Medium to long
Risk Tolerance: Willing to accept moderate to elevated volatility for higher growth
Goals: Prioritize growth opportunities while maintaining reasonable risk controls
Growth ETF
Designed for those who dare to dream big.
85% equity ETFs blended with 15% fixed income. A strongly growth-oriented portfolio for investors comfortable with higher market exposure who still want a small fixed income buffer.
Time Horizon: Long
Risk Tolerance: Willing to accept significant volatility for strong growth potential
Goals: Focus on maximizing long-term capital appreciation
Aggressive Growth ETF
Designed for those who dare to dream big.
Maximum growth potential through a fully diversified equity ETF portfolio. Designed for investors with the highest risk tolerance and a long-time horizon, this strategy provides combines broad market exposure with tactical positioning and thematic opportunities.
Time Horizon: Long
Risk Tolerance: Willing to accept high volatility and potential large drawdowns for maximum growth
Goals: Prioritize maximizing returns with little emphasis on minimizing risk
Portfolio alignment
A Strategy for Every Stage of Your Financial Life
The right investment strategy depends on what you're working toward, when you need it, and how much uncertainty you're comfortable with. We build around all of them.
Short-Term Goals
1-3 Years
Managing near-term needs requires a different approach than long-term growth. We prioritize capital preservation and liquidity — keeping your money accessible without sacrificing reasonable returns.
Emergency Reserves: structured so funds are available when life doesn't go as planned
Debt reduction planning: Coordinated with your broader financial picture
Cash Flow Management: Ensuring your day-to-day and near-term obligations are covered
Long-Term Goals
5+ Years
Time is your most valuable asset. Longer horizons allow for growth-oriented strategies that can weather short-term volatility in pursuit of meaningful long-term returns.
Retirement planning: Building a portfolio designed to sustain your lifestyle for decades
Education funding: Tax-efficient strategies for college and beyond
Wealth accumulation: Growing and compounding assets with a disciplined, long-term approach
Risk-Adjusted Planning
Risk means something different to everyone. We go beyond a standard questionnaire — assessing your true tolerance, capacity, and long-term comfort with volatility before building your strategy.
Personalized risk profiling: Not a one-size-fits-all score
Portfolio stress testing: Understanding how your strategy holds up in down markets
Ongoing recalibration: Adjusting as your life and risk comfort evolve
Asset classes
Main Types of Asset Classes
Diversifying across various asset categories helps mitigate portfolio risk. Our portfolios draw from these primary asset classes.
Stocks
Ownership in a company offering capital appreciation and dividend income. Higher risk with higher long-term return potential.
Fixed Income
Debt securities providing regular interest payments and return of principal. Lower volatility, used for income and portfolio stability.
Cash Equivalents
Money market funds and short-term securities. Highly liquid, providing stability and a safety net within the portfolio.
Real Estate
Direct property or REITs providing income through rent and capital appreciation. Hedges against inflation and diversifies the portfolio.
Commodities
Gold, oil, and agricultural products that hedge against inflation and currency fluctuations, offering diversification benefits.
A Clear Path to Your Financial Future
Getting started is simpler than you think. Here's what it looks like to become a Neptune Wealth client.
STEP 1 — Discovery
We start by listening. Every client relationship begins with a comprehensive conversation — not a form. We learn what you've built, what you're working toward, and what keeps you up at night financially.
- Complimentary intro consultation
- Full financial picture review
- Goals & priorities assessment
- Risk tolerance discussion
- No commitment required
STEP 1 — Discovery
Most Popular
We start by listening. Every client relationship begins with a comprehensive conversation — not a form. We learn what you've built, what you're working toward, and what keeps you up at night financially.
- Complimentary intro consultation
- Full financial picture review
- Goals & priorities assessment
- Risk tolerance discussion
- No commitment required
STEP 2 — Strategy
Once we understand your full picture, we get to work. We build a personalized investment strategy and comprehensive financial plan designed around your goals — not a template. From tax and retirement planning to portfolio construction and multi-account coordination, every decision is made with intention and backed by analysis.
- Personalized investment strategy
- Comprehensive financial plan
- Tax & retirement planning
- Portfolio construction & risk analysis
- Multi-account coordination
STEP 2 — Strategy
Most Popular
Once we understand your full picture, we get to work. We build a personalized investment strategy and comprehensive financial plan designed around your goals — not a template. From tax and retirement planning to portfolio construction and multi-account coordination, every decision is made with intention and backed by analysis.
- Personalized investment strategy
- Comprehensive financial plan
- Tax & retirement planning
- Portfolio construction & risk analysis
- Multi-account coordination
STEP 3 — Partnership
This is where the relationship truly begins. We stay actively involved — monitoring your portfolio, rebalancing when needed, harvesting losses to your advantage, and communicating with you before you ever have to ask. You will always know where you stand, and you will never feel like just an account number.
- Ongoing portfolio monitoring & rebalancing
- Tax-loss harvesting
- Regular strategy reviews
- Proactive advisor communication
- Performance reporting
STEP 3 — Partnership
Most Popular
This is where the relationship truly begins. We stay actively involved — monitoring your portfolio, rebalancing when needed, harvesting losses to your advantage, and communicating with you before you ever have to ask. You will always know where you stand, and you will never feel like just an account number.
- Ongoing portfolio monitoring & rebalancing
- Tax-loss harvesting
- Regular strategy reviews
- Proactive advisor communication
- Performance reporting