Northshore Wealth Management

A discussion on tax efficiency in retirement income.

Disclosures can be found at https://northshorewealthmanager.com/

https://youtu.be/e4FANcYDhnE?si=OrHcXaXozpTYc-4z

Tax Efficiency in Retirement Income Disclosures: Alyse Clark is a registered investment adviser in the...

As we said we would in our mid-year outlook, as of July, we have strategically built a high-yield cash position inside our Mainsail Equity Portfolio Model to deploy during the midterm election season dip we anticipate.

It’s worth mentioning that our cash position alone is outperforming $BRK.B YTD because, as a concentrated growth portfolio, we've used Berkshire Hathaway as a benchmark in the past.

This strategy of adjusting our sails as winds change helped boost our flagship portfolio model’s returns last year, and we’re on pace for a healthy return again in 2026.

The Mainsail model is exclusively available at Northshore Wealth Management, which is still accepting new investors. Mainsail works well on its own for growth investors, and it also nicely supplements the returns of a bond portfolio at any ratio investors are comfortable with.

Learn more and find our disclosure at:
https://northshorewealthmanager.com/model-performance/

SpaceX investors are beginning to question what they bought. The rocket of a stock some buyers were hoping for has failed to launch. I’m here to offer my insight on whether it might take off anytime soon.

Reality Bites SpaceX investors are facing challenges as its IPO excitement fades. Analysts debate its high valuation, with a price-to-sales ratio around 95x, suggesting it may remain overpriced even if share pri…

Enjoy this 4th of July weekend and, as always, remember to make good choices.

With just 15 positions in the Mainsail Equity Portfolio Model, we rebalance as needed to protect investors from overexposure. This can create short-term capital gains, so we calculate a YTD after-fees, after-tax, net return, at the highest tax bracket. 16.90% vs. 7.66% for index investors who are there to strategically avoid capital gains and fees.

Smart money is sticking to growth opportunities in reasonably priced stocks. There are so many quality opportunities right now that taking on unnecessary risk in overpriced companies is foolishly frivolous. If you have a lot to lose, be smart. If you'd like some guidance, reach out.

Investing Your Assets in Profitable Companies

Life, in some ways, is just a long series of events that don't make sense, but we adapt and make the most of it. I never thought I'd see the day that investing in profitable companies would be an edge in my industry. Historically, the only reason to invest was to own a piece of a company's profits. But today I'm changing my business's slogan from “Your portfolio is our priority” to “Investing your assets in profitable companies”. Because, while it's hard to believe, in today's world, this is an edge.

The SNP 500 index, NASDAQ 100, and several indexes in the Russell family have all now waived their profitability requirement. A company no longer has to be profitable to be listed in these major indices. They're doing this to accommodate SpaceX. SpaceX needs investors in order to stay in operation, but they can't offer you a share of their profits in return because there aren’t any. Those aren't business terms I agree to with any of my clients' money. The major indices used to feel the same way, but something has changed.

Index investing was for people who didn't know how to analyze a company's profitability. The indices had quality standards that offered some protection for less-experienced investors. You could own a list of companies that met some very basic standards, the least of which was profitability. That is by far the lowest standard. If nothing else, a company should, at a minimum, be turning a profit if you’re considering investing in it.

In investing, we talk about the risk-reward ratio. A share of profit is the reward we're after. It's the only reason we would take on the risk. SpaceX is operating at a loss. They are actively losing money. Maybe they will be profitable one day. Maybe we will own shares when that day comes, but investing beforehand wouldn't be in line with our standards or our new slogan because we invest your assets in profitable companies.

My saying I'll invest your money in profitable companies is like a grocery store advertising that they will stock food that is edible. It's ridiculous, but here we are. I can't believe I'm saying this, and please hear it with my headshake and chuckle, but if you would like your money invested in profitable companies, give me a call.

Northshore Wealth Management

https://northshorewealthmanager.com/2026/05/26/what-if-michael-burry-is-right-about-nvidia/

What if Michael Burry is Right About Nvidia? Investing is about understanding risk. The author avoids unnecessary dangers in her life and in her portfolio because people depend on her. Just as a soccer team needs both scorers and defenders, a…

Investment clients at Northshore Wealth Management are thriving, and here are some reasons why:

1. A disciplined edge, clearly explained

We invest using our proprietary approach to stock analysis, called Bottom-Up Fundamental Ratio Relativity (BUFRR), to identify stocks with the strongest growth potential relative to risk. Just as important, we translate that analysis into plain English, so you always understand why you own what you own.

2. Real buy-in

We invest right alongside you in the same strategies we recommend. We feel so strongly about the quality of our research that the majority of our own liquid assets are invested in our firm’s flagship growth portfolio model. If we wouldn’t own it, we wouldn’t recommend it.

3. Built to be nimble, not massive

While others chased scale, we intentionally went the other way. We prioritize our performance record by keeping assets under management limited to maintain flexibility, efficiency, and precision within our portfolios. Large funds are like oversized SUVs circling for a parking spot they can fit into - by the time they act, the opportunity may be gone, while we’ve already executed our portfolio updates with ease.

4. Direct access, always

No call centers. No wait times. No being passed around. You’ll always know how to reach us, and you’ll always speak with someone who knows you and your portfolio. There are many investment firms to choose from. We want your client experience here to be better than anywhere else.

5. Total freedom, no strings attached

No contracts. No lock-ups. No fine print. Your money remains fully under your control at all times. Stay because you want to, not because you have to.

6. Built around your comfort, not a template

Your portfolio should reflect you. Whether that’s fully invested in equities or a balanced mix like 60/40 or 80/20, we tailor your exposure according to comfort, while ensuring the stocks you do own meet our highest standards.

7. Aligned incentives, by design

Our fee is consistent across all investments, eliminating conflicts of interest. We succeed when you succeed, simple as that. After decades-long careers in large firms where neither clients nor advisors were truly satisfied, we built a model centered on one philosophy: happy, thriving clients make a happy, thriving firm.

It's time to get to know Northshore Wealth Management.

Northshore Wealth Management's Mainsail Equity Portfolio Model continues to do the job it was built for. Past performance is not indicative of future results. https://northshorewealthmanager.com/disclosure/