Investment account allocations
A review of how your current investment accounts are allocated — and whether they still fit your goals and risk tolerance.
Independent. Fee-Only. Fiduciary.
Fiduciary duty is our business model.
We advise individuals, families, and business owners who want advice that isn't tied to a product. No commissions, no proprietary funds — just a clear view of your finances and the reasoning behind every recommendation.
Institutional Discipline. Individual Focus.
Rooted in San Clemente
SCN Capital serves clients throughout California and across the country. We combine institutional investment experience with personalized service, building lasting relationships founded on trust, transparency, and a commitment to your long-term success.
Photos: PatrykTBrown · Fastily — Wikimedia Commons (CC0 / CC BY-SA)
How We Help
Do I have enough for retirement?
The question behind everything else — will your assets support the life you've planned? We model spending, taxes, and sequence risk to find out.
Do I have 401(k)s scattered across old employers?
Old accounts from former jobs, each with its own funds and fees. Consolidating simplifies oversight, cuts costs, and unifies your allocation.
Is my portfolio getting too big for me to manage?
As your wealth grows, so does the complexity. Professional oversight brings structure and one coordinated view of everything you own.
Is too much of my wealth in one stock?
When a single holding — company stock, RSUs, an inheritance — dominates your net worth, it becomes the biggest risk to keeping it.
Are capital gains keeping my portfolio stuck?
When the tax cost of rebalancing keeps a portfolio frozen, direct indexing can unlock diversification gradually and tax-efficiently.
How do I reduce taxes on my house or business sale?
A home or business sale can trigger a big capital-gains bill. Planning ahead — timing, exclusions, and gifting strategies — can change what you keep, if you act before it closes.
Complimentary Reviews
Start with a complimentary review
Not sure where you stand? We'll take an objective look at what you already have and share straightforward feedback — complimentary and with no obligation.
401(k), IRA & Roth allocations
A look across your retirement accounts — 401(k), IRA, and Roth — at how each is invested and how they work together.
Equity compensation
Review of corporate benefits, employee stock purchase plans (ESPPs), and restricted stock units (RSUs), and how they fit your broader plan.
Insurance coverage
Review of your corporate and external insurance, with candid feedback on gaps and overlaps.
Strategies
Model portfolios, from cautious to aggressive
We build globally diversified portfolios along a spectrum of risk, pairing an equity allocation for long-term growth with a fixed income allocation for stability and income. As you move from cautious to aggressive, the balance shifts toward equities. The right fit depends on your goals, time horizon, and comfort with volatility.
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Cautious
Preserve capital and generate stable income; keep volatility low.
Equity
A small, broadly diversified global equity sleeve for modest growth and a measure of inflation protection — low-cost, diversified exposure rather than concentrated bets.
Fixed Income
The core of the portfolio: high-quality, shorter-duration bonds emphasizing stability and income over reaching for yield.
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Conservative
Steady income with modest growth, still mindful of volatility.
Equity
A measured equity allocation tilted toward high-quality, broadly diversified holdings that can contribute growth and dividends.
Fixed Income
Still the larger share — a diversified, mostly investment-grade allocation that balances income against interest-rate risk.
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Balanced
A roughly even blend of growth and stability for the long term.
Equity
A diversified core of global equities across regions, sizes, and styles, built to drive durable long-term growth.
Fixed Income
A meaningful, high-quality allocation that cushions equity drawdowns and provides ballast to rebalance from.
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Growth
Long-term capital appreciation, accepting higher short-term volatility.
Equity
The primary driver — a globally diversified equity portfolio emphasizing long-term growth, with disciplined diversification across sectors and geographies.
Fixed Income
A smaller, high-quality allocation kept for ballast and for opportunistic rebalancing during market stress.
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Aggressive
Maximum long-term growth for a long horizon and high risk tolerance.
Equity
A predominantly equity portfolio, broadly diversified across global markets, built to capture long-run growth.
Fixed Income
A modest, high-quality reserve maintained for liquidity and to fund disciplined rebalancing.
These bands describe our general approach, not a specific recommendation. Every client's actual allocation is personalized to their goals, time horizon, and risk tolerance, and is reviewed over time.
Tax Strategy
Managing your portfolio with taxes in mind
What you keep after taxes matters as much as what you earn. We build and manage portfolios to be tax-aware year-round and coordinate with your tax professional — because thoughtful tax management is one of the few "free" ways to improve after-tax results.
Featured
Direct indexing
Instead of owning an index through a single fund, direct indexing owns the underlying stocks of that index in your own account. Because you hold the individual positions, we can work at the level of each holding — selectively harvesting losses even in years the index is up, managing around a concentrated or low-basis position, and tailoring the portfolio to your preferences — while still tracking the broad market.
The aim is a more tax-efficient way to hold core equity exposure. Its benefit depends on your tax situation, account size, and market conditions, and it is subject to IRS rules such as the wash-sale rule; it isn't right for everyone.
Tax-loss harvesting
Realizing losses to offset capital gains (and a limited amount of ordinary income) while keeping your market exposure intact and observing wash-sale rules.
Asset location
Holding tax-inefficient assets in tax-advantaged accounts and tax-efficient assets in taxable accounts, so each dollar is held in the account that suits it best.
Tax-efficient vehicles
Favoring low-turnover, tax-aware funds and ETFs to help limit unwanted capital-gain distributions.
Gains & lot management
Being deliberate about holding periods (long- vs. short-term) and selecting specific tax lots when trimming, to manage the tax cost of every trade.
Charitable & gifting strategies
Donating appreciated securities, using donor-advised funds, and gifting to family in ways that can move gains off your return tax-efficiently.
Withdrawal & Roth planning
Coordinating which accounts to draw from in retirement and evaluating Roth conversion opportunities to help manage taxes over your lifetime.
Important disclosures. The information on this page is provided for informational and educational purposes only. It is not investment, tax, or legal advice, nor a recommendation to buy or sell any security or to adopt any investment strategy. Model portfolios and strategy descriptions are general and illustrative; a client's actual portfolio is personalized and will differ based on individual circumstances.
All investing involves risk, including the possible loss of principal. Diversification and asset allocation do not ensure a profit or protect against loss, and past performance is not indicative of future results. Tax-management techniques such as direct indexing and tax-loss harvesting depend on individual circumstances, are subject to IRS rules (including the wash-sale rule), and may not benefit every investor. SCN Capital does not provide tax or legal advice; please consult your qualified tax professional.
A Personal Commitment
As an independent fiduciary, my commitment is simple: to always put my clients' interests first. I take the time to understand each client's unique goals, concerns, and aspirations before developing personalized strategies that address investments, retirement planning, tax efficiency, risk management, estate planning, and wealth preservation. My objective isn't simply to help clients grow their wealth—it's to help them make confident financial decisions and provide clarity through every stage of life.
— Suj Naran, Founder & CIO, SCN Capital
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Discover
Understand your goals, values, and priorities.
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Organize
Build a complete picture of your financial life.
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Design
Create a personalized wealth strategy.
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Implement
Put your financial plan into action.
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Monitor
Track progress and adapt to life's changes.
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Optimize
Enhance tax efficiency and investment outcomes.
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Legacy
Preserve and transfer wealth for future generations.
Institutional Discipline. Individual Focus.
Suj Naran is the Founder and Chief Investment Officer (CIO) of SCN Capital, an independent wealth management firm based in San Clemente, California. With more than 20 years of experience in institutional finance, he has worked with many of the world's leading asset managers, pension funds, insurance companies, and investment firms—gaining firsthand insight into the disciplined investment strategies used by sophisticated institutional investors.
Suj founded SCN Capital on a simple belief: individuals and families deserve access to the same thoughtful investment philosophy, objective advice, and disciplined planning traditionally associated with large institutions. As an independent fiduciary, he is committed to putting his clients' interests first and helping them navigate each stage of their financial lives with clarity and confidence.
He works closely with individuals, families, business owners, and retirees to develop personalized strategies encompassing investment management, retirement planning, tax-efficient wealth strategies, estate planning coordination, and legacy planning. His approach is thoughtful and long-term, grounded in the belief that successful wealth management begins with listening—understanding each client's unique goals and building lasting relationships based on trust.
Outside the office, Suj enjoys spending time with his family, cooking, staying active, and embracing the Southern California lifestyle. He believes that physical well-being and financial well-being go hand in hand, and that a healthy, balanced life provides the foundation for enjoying the wealth you've worked hard to build.