Wealth Management
Rooted in tradition. Focused on tomorrow.
Experience That Looks Beyond the Moment
For more than 85 years, the Dow family has guided clients through changing markets using a disciplined investment philosophy grounded in long-term perspective and direct ownership of securities.
Who We Serve
We build and manage portfolios for people and organizations who value a consistent long-term approach, transparency, and a holistic view of their finances.
Our Clients are:
It Starts with you
Most investors have more than one goal, each with its own timeline and tolerance for risk. We help you identify and prioritize your goals, and build a plan to work toward them.
An Ongoing Relationship
At Dow Capital, Wealth Management is an ongoing relationship, not a one-time recommendation.
A Portfolio Built for you
We construct your portfolio primarily from individually owned stocks and bonds we believe are high quality, sized to your goals, income needs, and comfort with risk.
Coordinated Planning
Your portfolio connects to your retirement, estate, and tax plans. We work alongside your legal and tax professionals and our financial planning services.
Tax-aware Decisions
Because you own each security directly, we can manage gains, losses, and income with your tax picture in mind while coordinating with your tax professionals
A look at how we invest:
A Disciplined Approach
Every portfolio decision starts with your objectives and is guided by a few core principles.
Direct Ownership
We primarily build portfolios from individual stocks and bonds, so you can see the companies and securities you own rather than just the name of a packaged product.
Quality & Diversification
We favor securities we believe are high quality, use sensible position sizes, and diversify broadly to help manage risk. Diversification does not ensure a profit or protect against loss.
Simplicity & Transparency
Owning securities directly helps make the risks, costs, and purpose of each investment easier to understand.
Our Investment philosophy has been shaped by 85+ years of experience
During a severe storm, even an experienced traveler may need the captain to confirm that the vessel is sound and the ship remains on course. In difficult markets, that reassurance is part of our job.
Our Investment Process
What To Expect
Our investment decisions begin with a clear understanding of each client’s investment objectives and remain grounded in enduring principles.
Understand
Together, we define your investment objectives, income needs, time horizon, liquidity needs, tax considerations, and tolerance for market risk.
Construct
We select a combination of stocks, bonds, cash, and other investments, with each holding serving a defined role.
Monitor
We review your holdings on an ongoing basis and keep you informed. As your life changes, your portfolio can change too.
Adjust
We make deliberate changes when fundamentals, valuations, market conditions, or your objectives call for it.
