We manage investments as one part of a coordinated wealth management process — long-term in approach, but never passive about the risks that matter most to the families we serve.
Many of the families we serve have already built meaningful wealth. Their priority is no longer simply accumulation — it is maintaining and growing that wealth thoughtfully, supporting their lifestyle, and managing the risks that could affect their future.
That is why we treat investment management as one part of a broader plan, coordinated with taxes, retirement income, estate planning, and the other decisions that shape a family’s financial life — not as a standalone function measured only by performance.
We believe long-term investing matters. But we do not believe portfolio risk should be treated as static.
Many Stonehearth clients are retired or approaching retirement. They may be drawing income from their portfolios, have less time to recover from severe market declines, and no longer have the same earnings power they had earlier in life. For these families, managing downside risk is not theoretical — it is central to preserving confidence and flexibility.
Stonehearth’s investment process monitors risk through two proprietary models that evaluate dozens of market, economic, valuation, trend, and risk indicators. When the weight of evidence suggests risk is rising, we may reduce equity exposure in client portfolios. When conditions improve, we may increase equity exposure again.
This is not market timing or prediction. It is a disciplined, probability-based process designed to observe risk as it unfolds and adjust portfolios when conditions warrant.
No process can eliminate losses or guarantee better outcomes. But we believe families are better served by an investment approach that recognizes when risk conditions change — rather than assuming the same portfolio allocation is appropriate in every environment.
[PLACEHOLDER — LAUNCH BLOCKER: This section describes a proprietary, risk-responsive investment process (two models, dynamic equity exposure). All language must be reviewed against ADV Part 2A and SEC marketing-rule requirements. Confirm: no implied guarantee, no implied outperformance vs. buy-and-hold, no implied ability to predict markets, and that “two proprietary models / dozens of indicators” is accurately described — Amanda/Chris.]
No risk-management process can eliminate losses, predict market tops or bottoms, or guarantee better results than other investment strategies.
Market, valuation, trend, volatility, credit, economic, and momentum indicators.
Two risk models help identify whether conditions are improving or deteriorating.
Equity exposure may be increased or reduced based on the risk environment.
The process is monitored over time and applied within each client’s broader plan.
We manage investments in the context of your full financial life — coordinating portfolio decisions with taxes, retirement income, estate planning, insurance, and family priorities. The investment process described here is one part of the broader Family CFO relationship.
Portfolio strategy and the firm’s investment process are overseen by Chris Gauthier, CFA, Chief Investment Officer.
Learn about the Family CFO approach →The first conversation is about understanding your situation — not presenting a portfolio. No preparation required.