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At MSL Capital Management, we approach wealth management with clarity, discipline, and an understanding that each client's financial goals and circumstances are unique. Our philosophy centers on thoughtful decision making and maintaining a long-term view in every stage of the planning process.
We take a calm and deliberate approach to portfolio management. Our work begins with the belief that investors deserve clarity, control, and thoughtful stewardship of their assets. Many traditional investment methods rely on mutual funds that create avoidable tax obligations and limit an investor's insight into what is happening inside the portfolio. We offer an approach that brings greater precision and transparency to the process.
Mutual fund-based portfolios often expose investors to taxable events that arise for reasons unrelated to their own financial goals. When managers adjust positions inside the fund, or when other investors redeem shares, the fund may be required to sell securities. These sales can create capital gains that are passed through to every holder, even in years when performance has been flat or negative. The structure also carries internal expenses that are not always easy to see but still reduce the return that ultimately reaches the client. Losses generated inside the fund stay there and cannot be used to offset an individual's own gains, which limits the ability to manage taxes in an intentional way.
Our customized portfolios offer a more refined experience. Instead of relying on pooled vehicles, we build portfolios with individual securities that you own directly. This allows you to see the composition of your portfolio clearly and gives us the flexibility to manage it with accuracy throughout the year. We monitor each portfolio daily and make adjustments with the same care and purpose that guide our broader investment philosophy. Throughout the year, we look for opportunities to realize losses that can offset gains and create a more favorable tax outcome. Gains are recognized only when doing so aligns with your long-term plan, rather than when a fund structure forces them to occur.
This approach allows us to guide tax outcomes with greater intent. Many of our clients do not face your end capital gain distributions and are not affected by the trading activity of other investors. Over time, this often supports more consistent and stronger after-tax results. It is a style of management well suited for clients with non-qualified accounts, families and individuals who prefer a high level of transparency, and investors who appreciate a steady, thoughtful approach to building long term wealth.
At MSL Capital Management, we offer access to several advisory programs through the My Advice Architect platform. Each program provides a different level of a structure, flexibility, and involvement, allowing us to align each client with the approach that best reflects their goals, preferences, and financial complexity. Below is an overview of the programs we use most often.
At MSL Capital Management, we offer access to several advisory programs through the My Advice Architect platform. Each program provides a different level of a structure, flexibility, and involvement, allowing us to align each client with the approach that best reflects their goals, preferences, and financial complexity. Below is an overview of the programs we use most often.
The Unified Program offers a streamlined way to manage a diversified portfolio within a single account. It allows clients to be invested across multiple portfolios while benefiting from one all-inclusive program fee, one consolidated 1099, and a simple, coordinated management process. The program incorporates automated rebalancing, ongoing monitoring, and tax loss harvesting, supported by an overlay team that helps maintain alignment with the client's personalized allocation. Progress is communicated through quarterly performance reports.
The Guided Program brings together personalized planning with structured portfolio construction. It begins by developing strategy based on the client's goals and then applies time tested allocation principles to shape the portfolio. Investments are selected from a diversified mix of mutual funds and exchange traded products, which are regularly monitored by Cetera Investment Management. The program allows for adjustments over time and offers a balance of professional oversight and flexibility.
The Advisor Program provides clients with a higher degree of direct involvement and customization Portfolios are constructed and managed daily, drawing from a broad universe of more than forty thousand securities. This approach allows movement among stocks, bonds, and cash based on client needs and preferences. The program includes access to research and screening tools, support from wealth management consultants, and convenient features such as check writing privileges and a debit card. Clients receive monthly statements along with clear quarterly performance reporting.
The Manager Program is designed for clients who want a fully personalized investment experience with access to institutional asset managers. Portfolios are tailored to individual requirements, including tax considerations and personal values. Clients own the securities directly, which allows for greater customization and the ability to align holdings with specific tax situations or personal preferences.
If you would like more detailed information about any of these advisory programs, we can provide the corresponding Cetera brochures upon request. PDF links are available for clients who wish to review them.
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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.
Cetera Investors is a marketing name of Cetera Investment Services. Securities and Insurance Products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.
Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.
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Address
485 US Highway 1 South
Building C; Suite 120
Iselin, NJ 08830
Phone number
(732) 750-2950
Copyright © 2025 MSL Capital Management Group - All Rights Reserved.
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