Orinda, CA Office

Choreo serves a broad client base that includes individual and high‑net‑worth investors, family offices, corporate and retirement plan sponsors, endowments, and other institutional clients. Its advisory offerings span discretionary and non‑discretionary portfolio management, aggregated reporting, financial planning, wealth management consulting, outsourced CIO services, and retirement plan/pension consulting.

The firm’s investment process starts with strategic asset allocation (built from regional/country weights of the MSCI All Country World Index and the Bloomberg U.S. Aggregate Bond Index) and uses quantitative screening, due diligence and Investment Committee approval to populate an approved list of managers and model portfolios. Choreo implements portfolios through a mix of Choreo Models, separately managed accounts, direct indexing, options overlays and allocations to registered funds and private funds, and it provides held‑away account services and periodic monitoring and reporting.

A noteworthy operational feature is that some Choreo advisors are registered representatives of a broker‑dealer and may receive trailing commissions from past sales of annuities or other brokerage products; the firm also operates an affiliated insurance agency and discloses referral and ownership relationships (for example with Estate Planning Team and Overture) that can create potential conflicts of interest. Choreo’s suite of specialized advisory services — including 1031 like‑kind exchange advisory, Deferred Sales Trusts™ consulting, Opportunity Zone consulting, and OCIO work for ultra‑high‑net‑worth clients — further differentiates its service mix from many peers.