Five Point Investments

Five Point Investments serves individuals and high‑net‑worth clients with a mix of financial planning and investment management services. The firm provides discrete offerings for new investors (an Investment Account Setup Kit), ongoing discretionary or non‑discretionary portfolio management, one‑time comprehensive financial plans, hourly consultations, and customized educational seminars and speaking engagements.

The firm’s investment approach emphasizes diversification, Modern Portfolio Theory and tax‑aware account placement, typically implemented through mutual funds and ETFs and occasional individual securities. It also integrates behavioral finance guidance to help clients maintain discipline through market cycles and pursues tax‑sensitive decisions such as account allocation and tax‑loss harvesting as part of its planning process.

Compared with many small independent advisers, Five Point places unusual emphasis on education and outreach through tailored workshops and speaking engagements for schools, organizations, and employers. It also uses a broader set of tactical tools than is typical for a firm of its size—selective use of options strategies and buffered ETFs for hedging or income—and explicitly factors the impact of investment income on eligibility for government programs when building plans.