How Our Investment Management Makes a Difference

“Stonehearth Capital Management have been managing our retirement portfolio for over 20 years. David Juliano is our advisor and we put all our trust in him. He always explains our investments in terms that we understand and is very receptive to our questions or concerns.”
— Lisa E.

Disclosure: This Google review is from an existing client of Stonehearth Capital Management. No existing client was compensated, either with cash or non-cash benefits, in exchange for their statement. Reviews reflect individual experiences and may not be representative of all clients. No material conflicts of interest are known to exist in connection with these testimonials. Read more reviews.

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A Disciplined, Diversified Approach Built for Real Life

At Stonehearth Capital Management, we believe in building portfolios that are as thoughtful and resilient as the families they’re built for. Our investment philosophy centers on diversification, adaptability, and a deep respect for risk. We don’t chase markets or react emotionally to headlines. We use data, structure, and experience to guide every decision.

We believe that peace of mind comes from having a plan you can trust—and a team that proactively adapts as conditions change.

Diversification: The Foundation of a Resilient Portfolio

A strong portfolio, like a strong home, starts with a foundation you can trust.

When building a house, the foundation takes the longest and is the most important part to get right. Once it’s in place, the rest of the structure goes up quickly—and with confidence.

That’s how we view diversification. It may feel slow or subtle at first, but it’s what allows your portfolio to weather uncertainty and support everything you’re working toward. One asset class at a time.

Custom Designs for Different Risk Tolerances

Not every client wants the same kind of home — and not every investor wants the same level of risk.

"We offer three core portfolio profiles, each tailored to align with your financial goals and risk tolerance:

  • Conservative: Prioritizes capital preservation and steady income, suitable for those seeking stability.

  • Moderate: Balances growth potential with risk management, ideal for investors looking for a middle ground.

  • Aggressive: Focuses on higher growth opportunities, appropriate for those comfortable with increased market volatility."

Each is built with the same care and structural integrity — just tailored to different blueprints.

Ongoing Maintenance: Keeping Your Plan on Track

Building is just the beginning — what matters is how you maintain it.

We don’t just set your portfolio and walk away. We act as your general contractor for long-term success, providing:

  • Rebalancing – Adjusting your investments as markets shift, so your plan stays aligned

  • Tax-loss harvesting – Strategically capturing losses to offset gains and reduce tax exposure

  • Product selection – Choosing high-quality investments that fit your design

  • Risk-based equity adjustments – Actively managing how much market exposure you have, based on real-time risk factors

You may not see it happening every day, but like any well-run home, the care and oversight never stop.

The Result: A Home That Supports Your Life

With a strong foundation, a smart design, and ongoing attention, your portfolio becomes more than numbers on a screen — it becomes a financial home you can count on through every life transition.

Frequently Asked Questions

  • A: We are product agnostic. While most of our clients' assets are held in ETFs and mutual funds, we also use individual stocks and bonds when they’re a better fit for a client’s specific needs and goals.

  • A: We make fundamental and risk-based trades in response to changes in market conditions and data. To maintain alignment with each client’s target allocation, we also rebalance portfolios at least once per quarter.

  • A: No. We take the time to evaluate your current holdings and weigh the pros and cons of making any changes. We only move forward with a plan once you’re comfortable. In many cases, we recommend keeping legacy positions—especially when tax consequences or long-standing loyalty to a company are important considerations.

  • A: All portfolios are managed in-house by Stonehearth Capital Management’s investment committee, which brings decades of experience. This hands-on approach allows us to make informed, tailored decisions for our clients—without relying on third-party managers.