A retirement portfolio built in-house — not pulled off a shelf

Many advisors build from the same pre-made model portfolios. I build and run my own, using quantitative methods I developed inside a private family office, optimized for risk-adjusted returns. A real strategy for Hawaii pre-retirees — not a template.

David Jacobberger · Fiduciary RIA · Series 65

CFA candidate · Family-office background

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Who You’re Working With

I come from the world of private family-office investing — where portfolios are built with institutional discipline and real quantitative rigor, the kind of approach usually reserved for large institutions rather than individuals. That's what I bring to retirement planning across the islands. As an independent fiduciary advisor, I'm bound to put your interests first — no commission products, no high-pressure sales. Since I build and run the models myself, I'm accountable for the work at every step — no committee, no off-the-shelf template, and no one between you and the person managing your money.

I work primarily with Hawaii families and individuals, and I'm building a life in Hawaii with my wife and three kids. Trust and integrity sit at the center of how I work — this is your life savings, and I treat that responsibility with the seriousness and care it deserves.

The Approach

Three people in a meeting room with a view of the ocean, discussing documents and charts on the table, with a laptop and glasses of water present.

Comprehensive Planning

Investing is only part of the picture. I work with you to coordinate the pieces that actually determine a retirement — how and when you draw income, how taxes affect what you keep, how Social Security and healthcare timing fit in, and how it all maps to what you're trying to do with this stage of life. The result is one integrated plan rather than a portfolio sitting on its own, and it adjusts as your circumstances change."

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Quantitative Insight

This process is genuinely model-driven. Machine learning is used to rank opportunities across the market — identifying where the model sees the strongest relative opportunity. These portfolios are built using orthogonal momentum, a method that targets the part of an asset's trend that's truly its own, stripped of the broad market moves that drive most things up and down together. The goal throughout is a disciplined, data-driven process aimed at optimizing risk-adjusted return: capturing genuine opportunity while staying deliberate about the risk taken to get there.

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Risk-Managed Investing

Managing risk isn't an afterthought in my process — it's built into how portfolios are constructed from the start. Rather than chasing the highest possible return, I focus on the relationship between return and the risk taken to achieve it, with position sizing and diversification designed to keep any single bet from carrying undue weight. The aim is a portfolio you can stay invested in through different market conditions, without taking on more risk than the strategy calls for.

Navigating The Markets

Markets shift, creating risks and opportunities. Disciplined, data-driven investors balance risk and pursue long-term growth. See how smart asset allocation and strict risk controls protect capital across cycles.

Are You Retirement Ready?

  • Major risks: volatile markets, unexpected expenses, outliving savings

  • Difficult decisions: withdrawal rates, healthcare costs, inheritance planning

  • Emotional shift: uncertainty, stress