Soman Advisors LLC, Registered Investment Advisor (CRD # 334599)

Customized Portfolio and Cash Overlay Solutions

Soman Advisors designs customized Portfolio Overlay architectures on existing portfolios.

We use disciplined Index, Stock and ETF Option strategies.

We cater to HNW / UHNW households, Family Offices and Institutions.

  • Downside Protection (Overlay)

  • Hedged Growth (Overlay)

  • Hedged Income (Overlay)

  • Concentrated Position Diversification (Overlay)

  • Low-Cost Financing (Overlay)

  • Consistency

  • Unconstrained Base Portfolio growth

  • No liquidation of Base Portfolio positions

  • Tax Efficiency and Estate Transfer

Engineered Portfolio Overlays

HEDG : Protection

  • Floor for the Portfolio

  • Active management

  • Preservation of Positions

  • Very low cost for Protection

DISC : Yield Generation

  • Known, low risk

  • Hedged Income

  • Consistency

  • Tax Efficiency

  • Harvests spread between blue-chip Dividend yield and Interest rates

MAREX: Market/Sector Exposure

  • No selling of any Positions

  • Virtual Diversification of Concentrated Positions

  • Hedged Growth

  • Can be established on a Cash position

  • Tax Efficiency

POCASH: Liquidity

  • Easy loan

  • No liquidation

  • No Broker Margin

  • No Principal, Interest payment till term expiry

  • Cost of borrowing treated as Capital Loss

  • Each Overlay is Independent

  • Overlays can be used Simultaneously

  • Returns from each overlay are stacked and Additive

  • Overlays do not use any Broker Margin

  • Overlays do not require liquidation of any Positions

Customized Solution : Example 1

Client has unrealized gains and minor cash position

Client wants Preservation, Hedged Income, Virtual Diversification & Low-Cost cash

Client's Goals and Objectives

  • We want to preserve about 85% of our existing $1.8M+ of unrealized Capital Gains

  • We don't want to constrain our Portfolio performance

  • We want to maintain our existing stocks

  • We want $125K - $150K yearly Income

    (without selling stock or using Margin)

  • We want to diversify 25% of our Portfolio into Hedged S&P 500

    (without selling stock or using Margin)

  • We want to Borrow funds at low rates to pay-off our existing $400K loan

    (without selling stock or using Margin)

  • We want Tax Efficient estate transfer of this Portfolio without selling stock

Above Client goals can be addressed by Simultaneous Independent Overlay of our strategies

POCASH: For $400K loan Pay-off

MAREX: For 25% Virtual Diversification

DISC: For $125K-$150K yearly Income

HEDG: For protection of unrealized Gains

Base Portfolio

  • Each Portfolio Overlay can be used simultaneously.

  • All Overlays are Stacked on the base Portfolio.

  • Performance of each Overlay is independent of other Overlays.

  • Performance of each Overlay is Stacked (Additive) over the performance of base Portfolio

  • Overlays do not use any conventional Broker Margin.

  • All portfolio positions are preserved. No liquidation

  • Portfolio can be passed on to heirs with stepped up cost-basis

Customized Solution : Example 2

Client wants to invest cash for Hedged Growth and Hedged Income

$$$$ Starting with predominantly Cash or Cash Equivalents $$$$

New Portfolio build-out

  • We want Tax Efficient Hedged Growth with exposure to

    • S&P 500

    • NASDAQ 100

    • Selective sectors

  • We want bounded, known and low risk

  • We want Tax Efficient Hedged Income

  • We want consistency

  • We want flexibility in periodically withdrawing the income or compounding it

Above Client goals can be addressed by Simultaneous Independent Overlay of our strategies

MAREX: Hedged Growth Exposure to

S&P 500, Nasdaq, Other Sector ETFs or stocks

Tax efficiency

DISC: Tax Efficient Hedged Income

Can be withdrawn or reinvested and compounded

Base Portfolio starting with cash dominated Portfolio

  • MAREX Overlay enables Hedged Growth through Market/Sector exposure

  • DISC Overlay enables Hedged Income with flexibility to withdraw or compound the income

  • Both Hedged Growth and Hedged Income are Tax Efficient

  • Simultaneous stacked use of DISC and MAREX enable both Growth and Income goals

  • This approach seeks risk-adjusted excess returns while maintaining bounded downside exposure

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.

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