Find the overlap, fees, and misalignment in your portfolio
Portfolio Optimization
Most portfolios carry hidden fees, unintended overlap, and risk mismatches their owners never see. A professional review almost always finds room to improve.
What's Inside Your Portfolio Is Probably Not What You Think
You may own ten mutual funds and think you are diversified. But if six of those funds hold the same fifty stocks, your portfolio has more overlap than you realize. Add in expense ratios that compound silently and a risk level that does not match your actual tolerance, and you have a portfolio working against you. Portfolio optimization is the process of identifying these inefficiencies and correcting them.
Most people have no idea how much overlap or hidden fees their portfolio carries. A professional review almost always reveals room to improve.
What the Review Actually Looks At
We use established frameworks rooted in modern portfolio theory to analyze how every piece of your portfolio interacts with every other piece.
- Holdings overlap, an X-ray view of every fund and every underlying stock so you can see real diversification
- Fee transparency, surfacing every expense ratio, transaction cost, and platform fee you are paying today
- Risk-tolerance match, comparing the risk you say you can take to the risk your portfolio is actually taking
- Tax-smart transition, moving you to an optimized portfolio without triggering an unnecessary tax bill
- Multi-account coordination, unifying 401(k)s, IRAs, and brokerage accounts under one strategy
Why It Matters
Portfolios built one fund at a time over years tend to drift. Hidden fees compound. Risk creeps up. The cleanup is rarely dramatic, but the cumulative effect of trimming inefficiencies and re-aligning the structure can mean tens of thousands of dollars over a retirement.
Most people have no idea how much overlap or hidden fees their portfolio carries. A professional review almost always reveals room to improve.
Optimization Has the Biggest Impact For...
People in these situations.
- Self-Directed Investors. Portfolios built one fund at a time over years often accumulate overlap and drift from their original intent.
- Multiple Accounts, No Coordination. When investments are scattered across 401(k)s, IRAs, and brokerage accounts, no one is looking at the whole picture.
- Unsure What You Are Paying. If you cannot name the total annual cost of your portfolio within a quarter percent, hidden fees may be eroding your returns.
- Approaching a Major Withdrawal. Before drawing income from your portfolio, knowing which accounts to tap first can save thousands in taxes.
Meet Your Advisors
Decades of Credentialed, Fiduciary Experience
The wealth and retirement work happens with the people below. Each one carries the licensing, registrations, and continuing education behind every recommendation we make.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Portfolio Optimization Questions
Answers to the questions Arizona families ask most about portfolio optimization.