Practice Domain 4 of 10
Grow wealth with intention and discipline.
Investing is how you turn income into wealth over time. But the investment landscape is filled with noise, complexity, and conflicts of interest. This domain brings clarity through evidence-based strategies, appropriate diversification, and disciplined rebalancing. We focus on what you can control and tune out what you cannot.
Available in
Basic, Essentials, Comprehensive, Advisory Wealth, Digital Family Office
The Practice Solution
Open architecture. Tax-aligned by design.
OpenGPS is an open-architecture portfolio platform — a curated marketplace of strategies and providers, not a captive lineup of house funds. We choose investments from the entire universe based on what fits your goals, your tax situation, and your timeline. Every holding is transparent, every decision is documented, and every cost is disclosed before placement.
How Grounded Portfolio Solutions Works
We choose from the full universe of strategies and providers. No proprietary funds, no preferred lists, no shelf-space deals quietly steering allocations toward house products.
Tax intelligence is engineered into every trade, every rebalance, every distribution decision — not bolted on in March. The system is GTAP, detailed below.
Globally diversified, factor-aware portfolios built on decades of academic research. We invest in markets, not predictions; in discipline, not the latest hot fund.
Every holding, every change, every fee documented in writing. You see exactly what you own, why you own it, and what it costs — before placement and after.
Tax Alpha, Engineered In
Grounded Tax-Aligned Portfolios
Tax drag is the largest unforced cost in most investor portfolios — and the easiest one to compound away. GTAP engineers tax intelligence into every trade, every rebalance, every distribution decision. Year-round, inside every account, in writing.
Daily monitoring across taxable accounts. Realized losses offset realized gains and up to $3,000 of ordinary income per year. Wash-sale rules respected automatically; substitute holdings keep market exposure intact.
We hold the underlying stocks of an index instead of an index fund — multiplying harvest opportunities at the security level and giving you control over what you own, what you don’t, and which positions to concentrate or exclude.
Tax-inefficient assets in tax-deferred accounts. Tax-efficient assets in taxable. Roth dollars positioned for the highest-growth holdings. Your overall allocation stays intact; the location does the silent work.
Tax-alpha outcomes vary by account composition, tax bracket, and holding period. Coordinated with your CPA, documented in writing.
Grounded Portfolio Matcher
Most firms route every dollar through the same risk-tolerance questionnaire. We start with a different question: when do you need this money? Your reserves, your income years, and your generational capital each have different jobs — and each gets matched to portfolios built for that job.
Liquidity, near-term spending, peace of mind.
High-yield savings, treasuries, and ultra-short fixed income — paid to wait, not to take risk.
Income, retirement-bridge cash flow, lifestyle funding.
Income-generating portfolios across dividends, fixed income, real assets, and selective alternatives. Yield is the product, not a byproduct.
Compounding, legacy, multi-generational stewardship.
Globally diversified, evidence-based, sustainably-designed portfolios with access to alternatives and factor strategies. Built to outlast you.
Core & Explore
Most firms require 100% of your assets to sit inside their models. We don’t. The vast majority of household wealth belongs in a managed Core sleeve where OpenGPS does its work — but a portion can stay yours to run, on your terms.
Managed by Grounded under OpenGPS.
Self-directed, on your terms.
The Three Knows
Long before performance and product, three questions decide whether your capital is on solid ground. We make sure you can answer each one in plain language — and that the answers actually align.
How do you actually behave under stress, opportunity, and noise? Your behavioral patterns and personal style shape every decision — and override every spreadsheet. We start here, before any portfolio is built.
How are you invested, and can you explain why in two sentences? If a strategy can’t be articulated simply, it can’t be held through volatility. We document the why for every position, not just the what.
Fiduciary or not? Hybrid? Captive broker-dealer, independent, or fee-only? The answer changes whose interests come first when your interests and their compensation diverge. We’re fee-only fiduciary always.
Open Architecture vs. Captive Models
Industry Norm
Our Approach
Partner Platforms
Plus a curated set of institutional fund families and selective direct-indexing partners — chosen on merit, replaced when something better fits.
Tier Availability
Basic
Essentials
Comprehensive
Advisory Wealth
Digital Family Office
Related Domains
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Schedule a conversation to learn more about this Practice Domain and how it fits into your overall Financial Practice™.