APPROACH OVERVIEW

Mission Creek provides customized investment management, advisory and planning services on a discretionary basis for private clients.

Our differentiated wealth management approach considers financial planning, the asset nature, underlying exposures and risks, diversification goals, liquidity requirements, concentration risks, downside exposure and mitigation, implementation costs, effective tax management, optimal portfolio and single-stock transition planning and other unique client circumstance and objectives.

Financial Planning

Mission Creek begins with a detailed planning process seeking to create the equivalent of a balance sheet and income statement for each client. We consider all assets, income, obligations and other investments. We then review client’s goals and objectives to develop a proposal that is discussed collaboratively. As a client’s objectives and risk tolerances evolve, allocations and strategies are adjusted to best match these new goals.

When relevant, we integrate ISOs, NSOs, and restricted shares in our client’s overall plan and have specific expertise working with employees of venture-backed companies and entrepreneurs. We provide individualized analysis to determine the optimal option exercise timing, 83(b) election, income, capital-gains and AMT tax minimization strategies.

Investment Management

Mission Creek utilizes a core and satellite investment approach to best structure individualized portfolios and solutions to best meet our clients’ investment requirements, risk tolerances and objectives.

We offer high-quality core equity, fixed income and, when appropriate, alternative investment strategies across a wide range of asset classes on a separately managed account basis. We complement our internal solutions with outside strategies to provide enhanced diversification and opportunities. Our approach combines the best elements of both active and passive strategies in a customized, low cost and tax efficient manner. When necessary, Mission Creek appropriately adjusts exposures to incorporate pre-existing, concentrated positions within our clients’ portfolios.

Effective Tax Planning

Managing tax exposure is an important part of Mission Creek’s wealth management approach. We consistently have a client’s tax situation in mind when evaluating allocations and making investment changes.

Our wealth management process utilizes an overall asset “allocation” and asset “location” approach to best meet overall objectives, risk tolerances, increase transparency and enhance tax efficiency. We employ strategies to improve after-tax returns through optimal allocation of assets based on their tax efficiency between taxable and tax-deferred accounts, maintaining individualized cost basis, and when possible, tax loss harvesting and timed matching of realized gains and losses.

Trusts & Estates
Planning

Mission Creek, together with our client’s tax advisor and estate attorney, reviews our client’s estate plan with a focus on reducing potential tax implications, avoiding the probate process, protecting privacy and updating documents.

If a trust plan is not in place, we help our clients evaluate the different trust options to determine the optimal estate plan.

We partner with our client’s tax advisors and estate attorneys or, if necessary, make introductions to trusted, third-party tax or legal advisors.

Wealth Transfer and Philanthropy

Mission Creek works with our clients to achieve their wealth transfer and philanthropic goals effectively. A multi-generational wealth transfer requires a review of existing trust documents or the update and creation of additional trusts to minimize tax implications. We also consider our clients entire financial situation and overall objectives to help identify the optimal method of giving that is most advantages over time, from Donor Advised Funds (DAF) to charitable trusts.

In collaboration with our client’s tax advisor and estate attorney, Mission Creek’s comprehensive and holistic approach to charitable giving can often help our clients best meet their wealth transfer, philanthropic, financial and tax goals