Active Asset & Portfolio Management

At Lyon Bern, every portfolio is intentionally designed as part of a broader financial architecture—built with precision, governed by discipline, and aligned with the long-term objectives of sophisticated investors. Our Portfolio Engineering framework integrates institutional-grade research, advanced risk management, and multi-asset strategy design into a unified, purpose-driven investment process.

We maintain full control of every step. Portfolio construction, research, strategy development, security selection, implementation, and ongoing oversight are all performed in-house. This independence allows us to operate with clarity and conviction—ensuring that each allocation reflects your objectives, risk posture, liquidity needs, and the evolving complexity of your financial life.

Our investment philosophy embraces an Endowment-Style approach, combining the efficiency and liquidity of public markets with the resilience and low correlation of private capital solutions. This expands your opportunity set beyond traditional portfolios, providing access to asset classes and structures traditionally reserved for institutions and family offices.

The result is a disciplined, multi-layered investment strategy designed to strengthen your stability today, enhance long-term growth, and preserve generational wealth with intention.

Flagship Portfolio Strategies

1. LB Stress Free Equity Portfolio

Proprietary equity portfolio actively managed by our group of portfolio managers and investment officers.
Strict stock guidelines: earnings consistency, blue-chip, price behavior, business longevity & management style.
Growth & Dividend-paying portfolio.
Smart Beta & High Alpha.
Objective: to beat the benchmark.

2. LB Absolute Return Strategy (Defined Outcome Portfolio Model)

Built with Defined Outcome ETFs (buffers, dual-direction, and quarterly resets)
Targets smoother return patterns across varying market environments
Reduces sensitivity to deep market drawdowns
Enhances risk-adjusted returns and shortens recovery cycles
Serves as an efficient hedge and stabilizer within a multi-asset portfolio

3. Cash & Treasury Management

Money Market Funds (high-quality, highly liquid, institutional share classes)
U.S. Treasuries (T-Bills, laddered maturities, rolling liquidity windows)
Brokered Certificates of Deposit (CDs) (FDIC-insured up to applicable limits)
Short-Duration Fixed Income (ultra-short bond exposures for yield enhancement)
Cash Sweep Solutions (integrated with Charles Schwab’s high-grade cash programs)

4. Alternative Investments

Private Credit: senior secured loans, asset-backed lending, real-estate-secured credit, and short-duration yield strategies.
Private Equity: equity opportunities supported by real assets, cash flows, and collateralized structures.
Real Estate Alternatives: income-producing properties, private real estate credit, and value-add opportunities with hard-asset protection.

Guiding Principles:

Asset-backed stability
Predictable income & low correlation
Disciplined risk controls
Institutional due diligence & ongoing oversight

Blended Model Portfolios

Comprehensive, risk-adjusted managed accounts.

These portfolios form the core of our wealth management platform. They combine actively managed passive strategies with tactical adjustments, advanced risk controls, and diversified global exposures.

Our Blended Models include:

Growth Model – equity-heavy with tactical downside awareness
Balanced Growth Model – diversified allocation for long-term expansion
Moderate Model – balanced 50/50 profile for stability and steady growth
Balanced Income Model – income-focused with controlled risk
Conservative Model – principal preservation with strategic upside exposure

Key features across all blended models:

Actively managed passive strategies
Tactical allocation shifts in response to macro conditions
Multi-asset diversification (public markets, private credit, alternatives)
Continuous monitoring of risk, liquidity, and correlation structures
Integrated tax-aware portfolio design

stock market investments with Lyon Bern - Wealth Management and Financial Advisors in San Juan, Puerto Rico - Asesores financieros

How these Strategies Work Together

A coordinated wealth architecture.

Your portfolio is not a single strategy—it is a system.
Our architecture integrates all components for maximum efficiency:

Blended Model Portfolios provide:

A diversified, disciplined core
Strategic allocation across global asset classes
Long-term balance of growth, stability, and liquidity

Flagship Portfolios provide:

Precision enhancements
Defined outcomes (Absolute Return Strategy)
Smoother equity participation (Stress Free Equity)
Low-correlation stabilizers
High-conviction tilts based on your goals and risk posture

Together, they create:

A multi-layered, adaptive investment strategy
Reduced volatility across market cycles
Stronger risk-adjusted returns
Enhanced consistency in long-term outcomes
A resilient structure aligned with your broader financial architecture