A Better Way To Invest:
‍Dynamic Portfolios

Completely personalized portfolios built around your individual goals and requirements and designed to maximize tax efficiency.
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Airplane flying over evergreen forest symbolizing reimagined investing

The Next Evolution In Investing

When Thomas Edison invented the ticker-tape machine 150 years ago, the brokerage account was born. Since then, new technologies have enabled new ways to invest: mutual funds in the 1960s and ETFs in the 1990s.

Today’s state-of-the-art solution is the Dynamic  Portfolio. It delivers the benefits of an ETF, plus extreme personalization and advanced tax optimization.
Illustration of the evolution of investing showing traditional to modern approaches leading to Dynamic Portfolios today

What Sets Dynamic Portfolios Apart?

Your One-of-a-Kind Portfolio

Your Dynamic Portfolio is designed specifically for you. Rather than using one-size-fits-all equity ETFs or mutual funds, we create a personalized portfolio to reflect your unique financial situation.

Evidence-Based Investing

We follow Nobel Prize winning investment principles, including multi-dimension diversification across different assets, to construct your portfolio. This approach does not chase hot stocks and passing fads.

Optimal Risk-Adjusted Return

Investing is a tradeoff between risk and return. We balance your desire for higher returns and your tolerance for greater volatility to find your optimal “risk-adjusted return” – aiming to maximize return while minimizing risk.

Avoidance of Common Mistakes

On average, individual investors persistently underperform the market, according to a long-running study by DALBAR. Without professional advice, people are driven by their emotions, so they buy high and sell low.

Higher After-Tax Performance

than a comparable equity ETF or mutual fund. We use advanced tax strategies, including direct indexing, so you pay less in taxes. Studies show tax loss harvesting can increase after-tax performance up to 29% over ten years.

Portfolios Built Around You

Have a concentrated position? Sector bias? Values-based preferences? We'll build your portfolio to match across your accounts.

Automated Tax Intelligence That Works Year Round

Daily screening for loss harvesting, smart asset location, and regular rebalancing run quietly in the background helping reduce tax drag while you focus on what matters most to you.

Fiduciary Guidance

Real advisors. Real accountability. Your portfolio evolves with your life, not just the markets.

Turn Your Losers into Tax Winners

When markets dip, we can turn it into opportunity. Our system uses volatility to harvest losses for tax savings, not to time the market.

Optimized by Account Type

We align assets across taxable and tax-deferred accounts to help boost after-tax returns.

Precision DIY Can’t Match

From tax lots to wash sale rules, managing hundreds of securities is complex. Our platform handles it with precision, stays aligned with your investment objectives, and keeps it off your to-do list.

Not all wealth systems are built the same

Feature
Evergreen
DIY Stock
Pickers
Mutual
Funds
ETFs
Robo
Advisors
Traditional
Advisors
Feature
Dedicated Financial Advisors
Fiduciary Duty To You
Mobile and Desktop Apps
AI Advice Engine
Private Data Vault
Always-Available Advice
High Diversification
No Hidden Fees and Expenses
Unique Custom Portfolio
Direct Indexing
Designed For After-Tax Performance*
Fully Supported
Partial Support
Limited Support

How it Works

Behind Each Portfolio: Strategy in Three Steps

1. Define Your Picture

We get to know your financial life. Goals, timelines, risk profile, and accounts, both taxable and tax-deferred.

2. Design & Build

We craft a Dynamic Portfolio tuned to your profile, allocating assets to the right accounts for tax efficiency.

3. Monitor & Optimize

Regular rebalancing, daily screening for tax loss harvesting, and advisor oversight keep your plan on track.
We continuously monitor for tax opportunities and rebalance when it's best for you, with advisor oversight to keep your plan on track.
See How Your Strategy Could Work

One Fee. 
Straightforward Pricing.

A single, all-inclusive fee based on investment assets under management covering portfolio design, tax optimization, financial guidance, and advisor access. No add-ons, no surprise line items. Billed monthly at month-end. We do not charge anything on banking deposits.
Assets Managed
Monthly Fee
First $500,000
0.08%
Next $500,000
0.07%
Next $4,000,000
0.06%
Next $5,000,000
0.05%
Over $10,000,000
Upon Request

Get the Strategy
Your Wealth Deserves

Schedule your custom walkthrough built for your goals, your taxes, and your timeline.
Talk to an Advisor
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What You Need to Know About How We Invest

How is a Dynamic Portfolio different from an index fund?

A Dynamic Portfolio holds hundreds of individual stocks directly rather than pooling them in a single fund. This allows for daily tax-loss harvesting, customization around your values and sector preferences, and more. This provides  flexibility and tax-management capabilities that go beyond what most traditional index funds can deliver. It is designed to maximize the tax efficiency of your portfolio and help you keep more of what you earn.

How does direct indexing help boost after-tax returns?

With direct indexing, you own hundreds of individual stocks in your portfolio rather than a single ETF or mutual fund. This allows us to implement tax-loss harvesting by selling specific positions at a loss—even when the overall index is up—unlocking potential tax benefits that can improve after-tax returns, especially for investors in higher tax brackets. Tax-loss harvesting can increase the after-tax return on your stocks by up to 29%, based on our analysis of a Vanguard study. Direct indexing also enables asset location strategies, helping us decide how to position investments across taxable and tax-deferred accounts to reduce taxes across your entire portfolio.

What is a Dynamic Portfolio?

A Dynamic Portfolio is a personalized index of individual stocks tuned to your goals, risk tolerance, tax rate, and values. Unlike one-size-fits-all ETFs, mutual funds, or model portfolios, direct ownership lets us adjust exposures, reflect your values, manage concentration limits, and harvest losses. The result is a portfolio aligned to the market and designed for after-tax performance.

How often do you perform tax loss harvesting? 

We monitor portfolios continuously and look for opportunities to harvest losses daily. When certain thresholds are met, we sell eligible positions to capture tax losses while keeping your overall investment exposure aligned with your strategy.

Can I personalize my portfolio around my values?

Yes. We can customize your portfolio to reflect your personal values and preferences. This can include excluding specific companies or industries, limiting exposure to certain sectors, or incorporating investment themes you care about. The goal is to align your investments with what matters most to you while still maintaining diversification and risk balance.

Can you help with concentrated stock positions?

Yes. If you have a concentrated stock position, we can work with you to manage it in a tax-smart way, gradually transitioning out over time, or hold it separately if that aligns with your strategy. Our goal is to help reduce risk while considering tax impact and your long-term objectives.

What are Evergreen Wealth’s fees?

Evergreen Wealth charges a single, all-inclusive advisory fee based on assets under management. It starts at 0.08% per month on the first $500,000 and decreases as your assets grow. There are no extra fees for planning, trading, or custody, and we do not charge anything on banking deposits. Fees are billed monthly at month-end.

First $500,000
0.08% per month
Next $500,000
0.07% per month
Next $4,000,000
0.06% per month
Next $5,000,000
0.05% per month
Over $10,000,000
Upon request
Is there a minimum investment requirement?

Yes. Evergreen Wealth requires a minimum balance of $250,000 to start and maintain a relationship. This helps ensure our personalized tax strategies and portfolio approach are aligned with your financial profile. We may decline or discontinue a relationship if the balance falls below this threshold.

Can I transfer my existing securities to Evergreen Wealth rather than selling them?

Yes. You can move eligible investments directly to your Evergreen Wealth account without selling them first, a process known as an in-kind transfer or Automated Customer Account Transfer Service (ACAT). This helps you avoid triggering unnecessary taxes and allows for a smoother, more tax-efficient transition.