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Think Like an Endowment

While many investors (and their advisors) still think about investment portfolios in terms of cash, stocks, and bonds, a growing number of investors and advisors have expanded their investment universe to include non-traditional investments, often called “alternatives”. The primary benefit of using non-traditional investments in a portfolio is to augment the risk-adjusted returns provided by a common stock-bond portfolio. This strategy is commonly referred to as taking an “endowment approach” because the endowments of large universities were early adopters of non-traditional investments.

As an example, as of June 30, 2015, Harvard University’s Endowment was valued at $37.6 billion, making it the single largest university endowment. Below outlines Harvard’s asset allocation shifts over the years[1]:

As can be seen in the table above, the percentage allocation to non-traditional investments increased from 25% in 1995 to almost 57% by 2014.

Harvard University Endowment’s annualized performance over the last 10- and 20-year periods ending June 30, 2015 was 7.6% and 11.8%, respectively, as compared to a standard 60% stock / 40% bond portfolio (using the S&P 500 Index and the Barclays Aggregate Bond Index), which provided 6.8% and 7.9% average annualized returns over those same time periods[2].

[1] Source: Harvard Management Company Annual Report 2015.

[2] Source: Harvard 2014 Annual Report.

Focused on Every Detail

Atomi Financial Group is more than an investment management firm. It is a full-service financial services company that was built, and is continuously evolving, to reflect the best practices and best ideas available.

Atomi begins with an ensemble of professionals, each with a different subject matter expertise. Atomi's specialists collaborate on every client engagement, helping ensure the best possible financial solution is implemented.

As financial advisors, we’re here to help clients secure their lifestyle and achieve their significance. We define lifestyle as the life you live for your own benefit. It is the pursuit of the items, activities, and experiences that bring pleasure and happiness. We define significance as the life you live for the benefit of others. Our job is to align all your resources so that you may secure a lifestyle that meets your vision of a flourishing retirement while still allowing you to create personal significance by supporting family members and/or charities with which you are deeply connected.

We have found that unhurried discussions enable our clients to “see” and understand the expected results of their financial decisions.

As investment and risk managers, Atomi helps clients grow and preserve their wealth in an approach modeled after very large and successful institutional endowments. Why mimic endowments? Because large endowments, such as those at public and private universities, have demonstrated the ability to consistently achieve superior risk-adjusted returns.

We strive to make personal finances easy to understand, implement, and manage. We have found that unhurried discussions enable our clients to “see” and understand the expected results of their financial decisions. We like to conduct multiple “what if…” scenarios to compare options and prioritize trade offs. Once a “best fit” strategy is determined, we take care of the details to help keep you on track towards achieving the best-possible future.

Below are overviews of some of of our key capabilities, which include:

Planning Services

Financial Planning

Legacy Planning

Debt Elimination Solutions

Family Banking (coming soon)

Investment Solutions


Investment Management

Automated Online Investing

Syndicated Real Estate Investment


Tax Mitigation Investment Solutions

Financial Planning
Financial Planning

Learn about Atomi’s financial planning process, as well as our planning specialties, such as Social Security Planning, Planning for Women, Probate Support Services, etc.

Legacy Planning

Legacy planning is a form of financial planning that focuses on the process of bequeathing a client’s assets to loved ones and other beneficiaries. Different than estate planning, which focuses on the legal aspects of asset transfers, legacy planning focuses on the interpersonal dynamics of the client and his or her beneficiaries. Learn about Atomi’s ability to add legacy planning to one’s traditional financial plan.

Legacy Planning
Investment Management

Atomi Financial Group has a unique investment philosophy that closely resembles that of large university endowments. It includes both traditional assets classes and non-traditional asset classes, such as real estate, private equity, private debt, etc. Learn about Atomi’s investment solutions designed to help you achieve your financial and legacy goals.

Investment Mgmt
Automated Online Investing

Atomi Financial Group offers a fully-automated investment management solution that is managed by the same team that manages Atomi’s “endowment style” portfolios. Learm about Atomi's solution to digital investing.

Online Investing
Syndicated Real Estate Investing

Real estate syndication is an effective way for investors to pool their financial and intellectual resources to invest in properties and projects much bigger than they could afford or manage on their own, while still retaining the same tax benefits of owning real estate investments personally. Atomi Financial Group is an expert in sourcing and screening syndicated real estate opportunities. Learn about our syndicated real estate investment capabilities.

Real Estate Investing
Tax Mitigation Investment Solutions

Mitigating taxes is one the highest priorities for high-net-worth individuals. While there are numerous strategies from which to choose, Atomi has focused on a few investment-based solutions that may reduce or defer taxes. Learn about how Atomi may be able to help.

Tax Investments

Risk management is one of the most important components of someone’s financial picture, and yet it is often the least utilized. In our experience, life insurance, long term care insurance, and disability income insurance are often under-funded, if at all, and lack any integration with one's overall financial plan. Learn about how Atomi and its partners can provide comprehensive insurance solutions.

Life Settlements

A life settlement is the sale of a life insurance policy to a third party for a value in excess of the policy's cash surrender value, but less than its face value, or death benefit. It is perhaps one of the least-known and least-understood solutions available to seniors. Learn more about how Atomi can help clients utilize this unique opportunity.

Life Settlements
Adviser-Managed Trust Services

A corporate trustee is a professional charged with administering one’s trust, and includes unique responsibilities, such as the discretionary distribution of funds to beneficiaries and/or paying bills on behalf of the trustee. An adviser-managed trust is an innovative corporate trust solution that allows you to retain Atomi to oversee and manage your trust assets while relying on an independent, third-party corporate trustee to handle the trust administration.

Adviser Trust Services
Donor-Advised Fund Services

A donor-advised fund, or DAF, is a charitable giving vehicle sponsored by a public charity that allows you to make a contribution into an investment account and be eligible for an immediate tax deduction, then recommend grants over time to any IRS-qualified public charity. Learn about how Atomi can help you establish your own DAF and start building your legacy now.

Donor Advised Fund
Non-Profit Services

Learn about how Atomi serves non-profit organizations with key services, including endowment management, planned giving program management and donor development.

Non Profit
Business Retirement Services

Learn about how Atomi services owners of closely-held private companies with access to open architecture business retirement plans, including SEP IRAs, Simple IRA, and 401(k) plans. Atomi has a solution for just about any any size company.

Business Retirement
Tax Credit and Incentives Recapture Services

Learn about how Atomi helps small- to medium-sized businesses uncover eligible tax credits and other tax incentives; including the recapture of past programs that may have been missed.

Tax Credit Recapture
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