Focused Portfolio Review: A One-Time Professional Analysis for $300
Robert Stowe, AAMS® | Investment Advisor
A quick diagnostic for self-directed Georgia investors. The Focused Portfolio Review delivers a quantitative analysis of what you currently own, all for a flat $300 fee. Meeting times are flexible, including evenings and weekends.
- The Cost Check: Identifying compounding expense ratio drag and benchmarking holdings against lower-cost, highly correlated alternatives.
- The Risk Audit: Measuring downside exposure using Value at Risk (VaR) and maximum drawdown analysis, plus assessing overlap and diversification gaps.
- The Deliverable: A written summary with specific, data-backed observations on every holding, not generic advice.
What's Included
Expense Ratio Analysis
Identification of compounding expense ratio drag and benchmarking of each holding against lower-cost, highly correlated alternatives. A 0.50% fee difference compounds significantly over a multi-decade horizon.
Overlap & Redundancy
Analysis of holdings for duplicate exposure. We evaluate your correlation and diversification metrics to reveal true underlying risk.
Asset Allocation Assessment
Review of your current allocation across stocks, bonds, and other asset classes. Identification of concentration risk or gaps.
Risk Exposure
Assessment of historical downside volatility using frameworks like Value at Risk (VaR) and maximum drawdown analysis. Quantifies the potential magnitude of losses under adverse market conditions.
Opportunities & Concerns
Specific, actionable observations about your holdings, including potential improvements and areas requiring attention, backed by quantitative evidence.
401(k) Fund Analysis
Provide your plan's fund lineup for an assessment of allocation options within your available investment choices.
See the Analysis in Action
Download a complete sample review to see exactly what the diagnostic covers, including expense analysis, risk metrics, and specific observations:
What's NOT Included
The Focused Portfolio Review is designed to analyze what you currently own. The following items require broader engagement through our other services:
- Recommendations for new funds or securities to purchase
- Roth conversion strategies or account restructuring plans
- Investment Policy Statement or written plan documents
- Contribution priority guidance (which accounts to fund first)
- Tax planning strategies beyond basic observations
Need More?
If you need a comprehensive framework with written documentation, the Strategic Portfolio Review ($900) provides an Investment Policy Statement that serves as an ongoing reference for your investment decisions. Many clients start with the Focused Review and upgrade later.
How the Process Works
Upload Holdings
Submit your current account statements through our secure client portal 48 hours before review.
Portfolio Analysis
Your portfolio is analyzed for expense ratios, overlap, allocation, and risk (45 minutes).
Receive Findings
Written summary delivered via email with key observations and specific, quantitative feedback on each holding.
Optional Walkthrough
15-minute call (video or phone) or recorded walkthrough to discuss questions (included in scope). The recorded walkthrough is yours to keep, a referenceable technical analysis you can review anytime.
Who This Service Is For
Good Fit
- Self-directed investors wanting quantitative validation of their holdings
- Investors who inherited a portfolio and need a data-driven assessment
- 401(k) participants wanting fund lineup analysis within their available options
- Anyone wanting a data-backed second opinion before making major portfolio changes
- Those considering whether to upgrade to the full Strategic Portfolio Review
Consider Strategic Review Instead
- You need a comprehensive written investment plan
- You want contribution priority guidance
- You need tax planning or account restructuring strategies
- You want ongoing periodic check-ins
- You have more than 20 securities or 4 accounts
Scope and Pricing
Standard Engagement: $300
Covers portfolios with up to 20 securities across 4 accounts. This accommodates most individual portfolios including:
- A 401(k) with selected funds
- An IRA or Roth IRA
- A taxable brokerage account
- An HSA investment account
Additional complexity (more securities or accounts) is billed at $300/hour in 15-minute increments.
Payment Terms
- Fee: $300 due before engagement begins
- Payment: Via AdvicePay (ACH or credit card)
- Turnaround: Typically 3-5 business days after document receipt
- Termination: You may terminate at any time; unused fees refunded based on work completed
Complimentary 15-minute introductory call to discuss your portfolio and determine fit. Send a message to schedule. Flexible meeting times available.
Related Services
Strategic Portfolio Review
Comprehensive review with Investment Policy Statement for $900.
Periodic Investment Consulting
Ongoing quarterly or annual reviews to keep your portfolio on track.
Hourly Consulting
Project-based consulting for specific topics like retirement modeling, multi-year tax planning, or equity compensation.
Disclaimer
Foxholm Financial, Inc. is a registered investment adviser with the State of Georgia. The Focused Portfolio Review provides investment observations and feedback; you retain full responsibility for implementation decisions. Fee schedules are subject to change. See our Form ADV Part 2A & 2B for complete disclosures.