Soman Advisors LLC

Registered Investment Advisor

(California CRD # 334599)

Portfolio and Cash Overlay

solutions for all phases of life!

Portfolio Overlays Achieving Your Financial Goals

Goals :
- Growth
- Income
- Safety
- Consistency
- Tax Efficiency
- Liquidity

We enhance your portfolio using index, ETF, and stock options—without liquidating your current holdings or using costly margin borrowing. If you are not fully satisfied with your current portfolio, we can help transform it to better align with your financial goals. Our strategies are designed to serve individuals and families through all phases of life. The strategies are scalable to meet the sophisticated requirements of institutions and family offices.

Overlay Strategies Addressing Every Phase of Life

Early in Career

Mid/Late Career

We have some asset base which we want to protect and avoid "lost decade".
We want reasonable asset growth and income with low risk and low volatility.
Consistency through various
Bull and Bear markets is important.
We want to diversify some of our concentrated positions
We want Tax Efficiency.

In/Near Retirement

Portfolio Overlays Strategies

Portfolio Protection Overlay (“HEDG” Strategy)

Portfolio loss has a Floor
Portfolio gain may be capped
Floor/Cap is selectable
Active monitoring

Market/Sector Exposure Overlay

Virtual Diversification (“MAREX” Strategy)

Virtual Diversification
No liquidation of Portfolio
Stacked Performance
No broker margin
Bounded and known risk
Exposure to Index/Sector is selectable

Low Cost Cash borrow (“POCASH” Strategy)

Cash generated in the account at ~SOFR rate
No payment required till end of the term
Cost of borrowing is treated as Capital Loss
Base Portfolio protected by HEDG strategy
No liquidation of Portfolio

Yield Overlay for Income/Growth (“DISC” Strategy)

No liquidation of Portfolio
No broker margin
Bounded and known risk
This strategy harvests difference between dividend yield of blue-chip companies and current interest rates
Stacked Performance

Simultaneous Overlays on Base Portfolio

Borrow Cash at Low Cost

Get Market Exposure

Generate Yield

Protect and Preserve

Overlays can be mixed on the base Portfolio
Performance of individual Overlays is Stacked to
generate desired composite performance
No liquidation of Base Portfolio assets
No conventional high-cost margin borrowing

How We Help

Clients' Voices

Testimonials from our satisfied clients.

John Clark

"Soman Advisory made filing my taxes a breeze. Their attention to detail and personalized service exceeded my expectations."

Elizabeth Johnson

"I highly recommend Soman Advisory for their professionalism and expertise. They helped me navigate complex tax issues with ease."

Michael Wim

"Soman Advisory provided me with valuable tax advice that saved me money. Their team is knowledgeable and dedicated to client satisfaction."

Disclaimer and important information

The strategies listed are for Illustration and Education purposes only
There is no explicit or implicit guarantee of future performance of these strategies
All investments involve risk of loss of Principal
These strategies rely on Options instruments which are derivative products and have their own risks
Contact Soman Advisors for further discussion of these strategies

Soman Advisors, LLC is a California-registered investment adviser. Information is for educational purposes only and does not constitute investment advice.

All investments involve risk, including loss of principal. Options and derivatives strategies involve additional risks and may not be suitable for all investors.