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Terms & Conditions
Disciplined Investing Built Around Your Life
At Henri Godard Consulting, we believe that true wealth is about freedom—freedom to make choices, to pursue your passions, and to live confidently knowing your financial foundation is secure. That’s why we approach investing not as speculation or guesswork, but as a structured discipline rooted in evidence, data, and purpose. Every portfolio we create is designed to reflect your unique story, your lifestyle, and your definition of success.
Our process begins with understanding your full financial picture—your goals, your time horizon, and your tolerance for risk. We design an investment strategy that matches your cash-flow needs, aligns with your personal milestones, and adapts over time as your life evolves. Whether you’re accumulating wealth, preparing for retirement, or funding education for the next generation, our goal is to ensure that every dollar in your portfolio has a defined purpose and place.
We use a goals-based, tax-aware approach to investing that emphasizes long-term consistency over short-term noise. Our methodology combines diversified asset allocation, advanced risk modeling, and evidence-based strategies drawn from decades of academic and market research. This disciplined framework helps you remain focused during periods of uncertainty and take advantage of opportunities during market dislocations—because we know that behavior and discipline often matter more than timing.
As fiduciaries, we always act in your best interest. We recommend only low-cost, transparent investment vehicles—such as ETFs, mutual funds, and institutional-grade index solutions—that match your strategy. Through advanced techniques like tax-loss harvesting, asset location, and strategic rebalancing, we help minimize taxes and costs so more of your growth stays in your account. Our process is data-informed, not product-driven, ensuring that every investment decision has a measurable, beneficial purpose.
But disciplined investing isn’t just about numbers—it’s about confidence. We help you stay grounded through full market cycles by building portfolios that are resilient to change. We run stress tests for inflation, rising interest rates, and recessionary periods, giving you clarity about how your plan holds up under different economic scenarios. This proactive risk management approach reduces emotional decision-making and helps you stay the course when others panic.
Communication and transparency are central to everything we do. You’ll always understand your investment strategy, performance, and progress toward your goals. We provide ongoing reports, quarterly reviews, and one-on-one strategy sessions to ensure that you’re informed and empowered every step of the way. Our goal is to make complex financial decisions simple, actionable, and personalized.
Whether you’re focused on building long-term wealth, generating sustainable income in retirement, or leaving a lasting legacy, Henri Godard Consulting will be your partner in disciplined investing—balancing growth, protection, and flexibility. We help you focus on what you can control—costs, taxes, and behavior—so that you can achieve the one thing that matters most: peace of mind.
The markets will always change. Headlines will come and go. But with a disciplined process, a clear plan, and a trusted advisor guiding you, your financial life doesn’t have to be uncertain. With Henri Godard Consulting, your future is built on strategy—not speculation.
What We Do
A complete, end-to-end portfolio solution with ongoing monitoring and clear reporting.
Strategic Asset Allocation
Globally diversified core across equities, fixed income, and real assets, calibrated to your plan.
- • Evidence-based market exposure
- • Factor diversification (size, quality, profitability)
- • Liquidity planning for withdrawals
Risk Management
Portfolio construction that respects drawdowns and sequence risk—so you can stick with the plan.
- • Stress testing and scenario analysis
- • Cash buffers and bond ladders for near-term needs
- • Rules-based rebalancing & drift controls
Tax-Aware Implementation
Design to minimize lifetime taxes without compromising allocation.
- • Asset location (taxable vs. IRA vs. Roth)
- • Ongoing tax-loss harvesting
- • Transition planning for concentrated or legacy positions
Investment Policy & Reporting
Clear rules and transparent updates to keep you informed and on track.
- • Written IPS (Investment Policy Statement)
- • Performance vs. appropriate benchmarks
- • Fee and tax reporting you can actually read
Holistic Coordination
We integrate your portfolio with your full financial plan—retirement withdrawals, taxes, equity comp, business liquidity events, and estate goals—coordinating with your CPA and attorney as needed.
Our Process
1) Discovery & Risk Profiling
Goals, timelines, cash-flow needs, and true risk tolerance.
2) Portfolio Design
Allocation, instruments, and tax approach documented in your IPS.
3) Implementation
Tax-aware transitions, funding, and account setup across custodians.
4) Monitor & Rebalance
Ongoing drift checks, tax-loss harvesting, and quarterly reporting.
What You’ll Receive
- • Written Investment Policy Statement (IPS)
- • Target allocation & rebalancing rules
- • Tax management playbook (location, harvesting)
- • Consolidated, plain-English performance reports
- • Access to your advisor for ongoing decisions & reviews
Mini Case Study
An executive with concentrated tech stock needed diversification without a large immediate tax bill. We used a staged tax-aware transition with loss harvesting and asset location refinements, lowering risk, improving after-tax return potential, and aligning the portfolio to retirement cash-flow needs.
FAQs
Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. This material is for informational purposes only and is not tax or legal advice.
