Business Investment Management
Institutional portfolio management for the assets your business holds, governed by a written policy and managed by our own investment committee, including CFA® charterholders.
How We Manage Institutional Investments
Most companies manage their investable assets on one person’s judgment. That holds up until there is a second owner, a board or a lender asking what the portfolio is for and why it holds what it holds.
At Gatewood, we manage your company’s assets, write an investment policy for the business and you or your board choose what to adopt. That policy is also what decides how much stays liquid against the obligations already on your calendar and how much is genuinely free to be invested over a longer horizon. We work as an extension of your finance or treasury function rather than in place of it: your bank, your CPA and your controller keep doing what they do, and we manage the portfolio. Every meeting you get a written review of what is held, how it performed and what changed.
Watch our Managing Director, Retirement Plans, Micah Alsobrook, explain why it matters.
What Our Service Includes
Investment Policy Statement
Asset Allocation and Portfolio Construction
The portfolio built to the policy rather than to a model, with each allocation set against the horizon the business is actually investing over and the risk it accepts.
Liquidity and Reserve Analysis
A written calculation of what the entity needs to keep accessible against payroll, taxes and scheduled obligations, and what is genuinely free to be invested longer.
Outside Account Analysis
A written review of the entity accounts you hold elsewhere, covering allocation, risk, return and the fees you are paying, with a recommendation on each one.
Trading and Rebalancing
The ongoing work of holding the portfolio where the policy says it should sit as markets move, as cash comes into the business and as the business draws on it.
Quarterly Positioning Review
A written review of what the portfolio holds, how it has performed and what changed in our positioning, delivered quarterly and ready to take to your board.
Your Integrated Financial Plan
For many business owners, the company is the largest asset the household owns. How you pay yourself, which retirement plan you sponsor, when you reinvest and how you eventually retire or sell all shape your personal plan and your retirement, this year and in the years that follow.
That is why Gatewood includes the value of your business in your personal plan, and why one team manages both around one set of goals.
Every service on this wheel works from the same plan, so each one you use adds to a single picture: the business side shows what the company earns, owes and is worth, and the household side shows what that means for your income, savings, taxes and family. You can begin with the service you need most today and add others as your business and household change.
Your Household Plan
For the Families Behind the Business
Behind every business are families who depend on it.
The owner's household depends on what the company is worth and what it distributes. Each employee's household depends on the paycheck, the benefits and the plan they were enrolled in on their first day. We have never met a business decision that stopped at the business — which is why we built the firm to serve the family behind it.
Your Client Care Team makes recommendations for your plan based on the advice of our Investment Committee, bringing in our tax and accounting teams so that every decision made takes into consideration both your personal and professional financial plans.
That is what we call Firm-to-Family®, and it is why your plan is supported by a diverse and experienced team rather than one person.
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Frequently Asked Questions
Business Investment Management is the process of portfolio construction and management for a business entity.
The company is the client, so the portfolio is built the way an institution governs its money: a written investment policy setting what may be held and who decides, a portfolio built to that policy, an investment committee accountable for keeping to it, and written reporting on a set schedule.
The assets can be reserves, retained earnings, proceeds held before a transition, or capital set aside for a purpose with a date on it.
A personal account is created and managed based on a family or single party's risk tolerance and goals.
An institutional account takes into consideration the goals of the company and translates that into to a written policy that the business can adopt and agree to.
This means there is a standard to measure against and documentation for why decisions are made. That matters when a business has more than one owner, a board, a lender or a partner who will eventually ask what the portfolio is for. It also means the account survives a change in who is sitting in the owner’s chair.
We manage corporate and institutional assets, including operating reserves, excess cash, short-term liquidity, and longer-term investment portfolios.
Our approach can include fixed income, bond ladders, equities, and other investment strategies aligned with the organization’s cash flow needs, risk tolerance, and objectives.
An Investment Policy Statement establishes clear guidelines for how your organization’s assets are managed, including investment objectives, risk tolerance, liquidity needs, and investment parameters. It helps mitigate risk by promoting diversification, setting appropriate investment limits, and ensuring consistent, disciplined decision-making aligned with your organization’s goals.
Investment Management is priced as a percentage of the assets we manage, calculated based on the balance of your managed accounts on the last business day of the preceding quarter, multiplied by your tiered fee.
Some business services are sold separately on their own fee schedule, including employer-sponsored retirement plans, business tax preparation, business accounting and CFO services. Fees there depend on the size and complexity of your business.
Click here to learn more about our fees and request an estimate.
Hear What Our Clients Say
“My wife and I moved to St. Louis four years ago and became Gatewood clients in 2024, on a referral from our daughter-in-law. Her father was an established attorney who had said good things about the team, and that recommendation was passed down to us. That introduction set an expectation, and the people there have matched it. We've met a lot of the team by now, and the impression has been consistent with every one of them. Each person we're introduced to is professional, smart, and they work together well as a group — which says something about the people Gatewood hires…” Read more.
“A friend of a friend referred us to the team over 20 years ago, and we've been together ever since. My wife and I have changed jobs and time zones more than once, but they've been a constant through it all. Even when moving to different parts of the country, we always keep our ties to St. Louis wherever possible, and we appreciate the Midwestern values of Gatewood. The relationship we’ve developed over the years has built trust in the team that they are honest and always have our best interests in mind. They’ve helped us with everything from moving our 401(k)s to managing our investments day-to-day…” Read more.
“My husband and I began working with Brian in 2019 and have been very pleased with the level of service we’ve received ever since. Our client care team, Nina and Jake, have taken the time to truly listen to our goals and actively make adjustments to reflect our evolving needs over time. What I appreciate most is the combination of knowledgeable, focused guidance always delivered with genuine care and humility. We've been so impressed with their timeliness and attention that we've introduced them to our parents, siblings and adult children and now they are advising three generations of our family. Their support with tax planning, administrative tasks, and retirement income planning has become even more comprehensive over time, and I always feel that our questions are fully addressed promptly and thoughtfully…” Read more.
“As a client of Gatewood for over 10 years now, I am very pleased with the experience I’ve had with my team. Whenever I have questions or need advice, they are always available with professional and helpful guidance. They really get to know their customers so that they can provide personalized service and are very responsive when I contact them and they do a great job managing my portfolio. I had a turning point in my life, and they were very helpful in analyzing financial impacts and helping to manage through it. I highly recommend their services.” Read more.
“What has stood out most over our decade-long relationship with Gatewood is how genuinely they listen. Our advisor takes the time to understand our full financial picture and has made a point to build a relationship with my wife as well, so she feels comfortable working with the team whether I'm present or not. Having everything coordinated in one place, with great online tools at our disposal, has been invaluable. Our team is responsive whenever we have questions and has always followed through with care and professionalism. Beyond the planning itself, it's the personal relationships we've developed that make this partnership something we're truly grateful for.” Read more.
“Our relationship with Gatewood Wealth Solutions has evolved over the years right along with our family. From building and protecting our wealth to retirement and estate planning, Gatewood has guided us and enabled our objectives. It’s assuring to know skilled professionals we trust are working with us to optimize what we have worked for all our lives.” Read more.
Important Disclosure: The statements provided are testimonials by clients of the financial professional. The clients listed have not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
Let's Build Your Wealth With Purpose
With expertise and care, we're here to build a personalized plan for wealth that instills confidence for all of life’s key moments. Schedule a conversation with our team today.