Income-focused, Globally Diversified, Fully Liquid & Transparent Professionally Managed Portfolios

A multi-asset strategy built primarily using options-based ETFs, designed to generate attractive monthly distributions targeting annual yields of approximately 8% to 12% based on current portfolio composition.

New England Private Wealth Advisors, LLC (NEPWA) helps investors pursue attractive income through a separately managed account (SMA) that combines professional oversight and broad diversification.

Income distributions designed for consistent cash flow (can be distributed monthly or reinvested)
Targeting an 8 to 12% annual yield based on the current portfolio composition
Diversified across several asset classes, including U.S. equities, international equities, fixed income, gold, real estate, etc.
Tax Advantaged Income: a portion of monthly income may be classified as capital gains or return of capital (ROC), which may improve an investor’s after-tax outcome vs. traditional ordinary income sources

Minimum investment: $500,000. Custodied at Schwab and Fidelity. Available in all types of account registrations (Individual, Trust, IRA, Joint, etc.)

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Yield estimates are based on current portfolio composition and market conditions as of April 2026. Actual yields may vary. Option based ETF yields are the distribution rate (the annual yield an investor would receive if the most recently declared distribution, which includes option premium, remained the same going forward) and non-option ETFs reflect the 30-day SEC Yield. The target yields represent a range based on a weighted average of the current models’ distribution rates and 30-day SEC yields. Past performance is not indicative of future results. Options-based strategies involve additional risk, including the potential for increased volatility.

The Income Challenge Facing Today’s Investors

For investors who rely on their portfolios to generate income, traditional asset classes alone may no longer be enough.

Fixed income remains a core building block, but for investors who need consistent cash flow across an entire portfolio, bonds alone, with current yields of 3%-6%, may not get them there.

Equities present a different challenge for income investors. The S&P 500’s dividend yield has declined steadily over the past several decades and today sits near historic lows – slightly above 1.0%. While equities continue to play an important role in long-term portfolios, the income they generate has become a progressively smaller share of total return, leaving investors who depend on their portfolios for cash flow to look beyond dividends alone.

On top of this, income from traditional sources is frequently taxed as ordinary income at the same rates as wages and salaries.

These challenges call for a different approach. Options-based ETFs represent an evolution in income investing, where options are layered on top of core asset class exposure to generate additional income. The underlying holdings remain familiar, consisting of asset classes including bonds, U.S. equities, international equities, gold, real estate, and others. The options overlay is the mechanism that may enhance the yield beyond what those asset classes would produce on their own.

This is a professionally managed approach that seeks to address the gaps traditional income strategies leave behind.

Three Strategies Tailored to Your Risk Profile

NEPWA offers three distinct SMA investment opportunities based on portfolio risk profile. Each strategy maintains the same core principles: monthly income distributions, multi-asset diversification, and a tax-efficient focus. The difference lies in the degree of volatility each investor is comfortable accepting.

Conservative Strategy

Target Fixed Income Allocation – 60%

Target Yield – 8%*

The Conservative strategy is designed for short-term goals or investors who prioritize capital preservation alongside income generation. This approach emphasizes lower volatility and greater stability, making it well-suited for those who seek reliable monthly distributions with less exposure to short-term market fluctuations. It may appeal to retirees or others who value predictability.

Moderate Strategy

Target Fixed Income Allocation – 40%

Target Yield – 10%*

The Moderate strategy balances income generation with a measured degree of market participation. It is suited for medium-term goals or investors who are comfortable with moderate fluctuations in portfolio value and who seek a middle ground between stability and growth potential. This strategy may be appropriate for those who have a longer time horizon than the Conservative model.

Aggressive Strategy

Target Fixed Income Allocation – 20%

Target Yield – 12%*

The Aggressive strategy is built for long-term goals or investors who are willing to accept higher volatility in pursuit of greater income potential. It is suited for those with longer time horizons or a greater tolerance for short-term portfolio fluctuations. The more volatile model may generate more income, though it also carries a higher degree of risk.

All three strategies provide attractive monthly income, are diversified across multiple asset classes, and are structured to potentially receive favorable tax treatment. We’re happy to discuss each strategy in detail so you can decide which approach fits your financial objectives, risk tolerance, and overall plan. Investors are not limited to only one strategy and may utilize multiple versions of the NEPWA strategy based on income needs and risk tolerance.

*Yield estimates are based on current portfolio composition and market conditions as of April 2026. Actual yields may vary. Option based ETF yields are the distribution rate (the annual yield an investor would receive if the most recently declared distribution, which includes option premium, remained the same going forward) and non-option ETFs reflect the 30-day SEC Yield. The target yields represent a range based on a weighted average of the current models’ distribution rates and 30-day SEC yields. Past performance is not indicative of future results. Options-based strategies involve additional risk, including the potential for increased volatility.

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What Sets NEPWA’s SMA Strategy Apart?

Monthly Income

This portfolio is primarily focused on monthly income. For retirees and pre-retirees who depend on their investments for living expenses, this frequency can be particularly valuable. Monthly distributions allow for more predictable budgeting and reduce the need to sell holdings to generate cash flow between infrequent payouts.

Tax Efficiency

The income generated by this strategy may receive a mix of advantageous tax treatments. Portions of the distributions may be classified as capital gains, which may be eligible for long-term capital gains tax rates depending on applicable holding period rules. Other portions may be characterized as return of capital, which is generally not taxable when received but instead reduces your cost basis in the investment.

This basis reduction can create a tax-deferral benefit, as the deferred taxes are typically realized later in the form of capital gains when the investment is sold. The combination of capital gains treatment and return of capital may help improve after-tax outcomes over time, depending on individual circumstances.

Please consult your tax professional regarding your individual circumstances. NEPWA does not provide tax or legal advice. 1099 tax reporting documents will be provided by the account custodian (Fidelity or Charles Schwab)

Diversification

Our strategies incorporate bonds, U.S. and international equities, gold, real estate, and other asset classes within a single managed account. Rather than concentrating in a single asset class or relying heavily on a narrow group of large-cap stocks, we aim to provide broad, multi-asset exposure across different regions and sources of return. The goal is to build a portfolio that is better positioned to navigate a variety of market environments and reduce reliance on any single segment of the market.

Diversification does not ensure a profit or protect against a loss, but it remains one of the most fundamental principles of prudent portfolio construction.

Professional Management & Discretion

Your portfolio is actively monitored and managed by a dedicated team of professionals at NEPWA. This is not a self-directed fund or a robo-advisor solution.

Custodial Transparency

Your assets are custodied at Charles Schwab or Fidelity, two of the most recognized and respected custodians in the industry. Accounts are directly registered in your name, ensuring you remain the legal owner at all times. You have direct access to your account 24/7, where you can view your balances, transactions, and underlying ETF holdings.

In addition, you’ll receive monthly statements (paper or electronic) directly from the custodian, providing an extra layer of transparency and oversight.

Is This Strategy Right for You?

The SMA approach may be well-suited for investors who share one or more of the following characteristics:

Income-focused investors seeking attractive monthly distributions rather than infrequent, unpredictable payouts.
Retirees or pre-retirees who need consistent cash flow to support their lifestyle in retirement.
Investors in high tax brackets seeking tax-efficient income alternatives that may reduce the portion of returns lost to taxation.
- A portion of the income generated by this strategy may receive an advantageous mix of tax treatments, such as capital gains or return of capital.
Individuals with $500,000 or more available to invest in a professionally managed strategy.
Investors who are looking for income while targeting a globally diversified portfolio across various asset classes. Monthly income and asset class diversification may provide an opportunity for stability across market cycles vs. investing in a single income-focused asset class.

If any of these descriptions reflect your situation, we would welcome the opportunity to discuss how this strategy may benefit you.

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About New England Private Wealth Advisors

New England Private Wealth Advisors, LLC (NEPWA) is an SEC‑registered investment advisor and fiduciary based in Wellesley, Massachusetts, serving high‑net‑worth individuals, families, and institutions nationwide. With approximately $5 billion in assets under management (as of 12/31/25), NEPWA is focused on constructing thoughtful, diversified investment portfolios designed to support long‑term goals, manage risk, and provide stability across market cycles.

NEPWA’s investment approach is grounded in strategic portfolio construction, combining global diversification, disciplined asset allocation, and a balance of active and passive strategies. Portfolios are built with careful attention to risk, liquidity, tax efficiency, and income generation, ensuring that investment decisions are fully aligned with each client’s broader financial plan rather than driven by short‑term market narratives.

A core extension of this philosophy is NEPWA’s income-focused Globally Diversified Income SMA, a professionally managed, multi‑asset strategy designed to generate attractive, tax‑efficient monthly income. This SMA blends income‑focused ETFs across equities, fixed income, real assets, and alternatives, primarily using options‑based strategies to target attractive income while maintaining liquidity and diversification. Offered in multiple risk‑based models, the strategy provides a modern income solution for investors seeking cash flow without relying solely on traditional fixed income.

We welcome the opportunity to discuss how NEPWA’s portfolio construction approach and income-focused Globally Diversified Income SMA may complement your broader investment portfolio.

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Key Takeaways:

Monthly income distributions targeting an estimated annual yield of 8 to 12%.
Three distinct risk/return strategies: Conservative, Moderate, and Aggressive.
Tax-efficient and globally diversified across stocks, bonds, gold, real estate, etc.
$500,000 minimum investment, custodied at Schwab or Fidelity.
Professionally managed by NEPWA, an SEC-registered fiduciary near Boston.

Request a meeting to explore whether this strategy may be right for you.

Contact

New England Private Wealth Advisors, LLC 36 Washington Street, Suite 280 Wellesley, MA 02481 (781) 416-1700

New England Private Wealth Advisors, LLC (“NEPWA”) is an SEC-registered investment advisor. Registration of an investment adviser does not imply any specific level of skill or training.

NEPWA is neither a Certified Public Accounting firm or a law firm and does not provide tax or legal advice, respectively, to clients; such services are provided through select third parties unaffiliated with NEPWA. Please contact a tax or legal professional for advice in such matters.

The success of any tax mitigation strategy is dependent on each client’s specific situation, and results cannot be guaranteed.

Investing involves the risk of loss, including the risk of loss of the entire investment.

Diversification does not ensure a profit or protect against a loss.

Yield estimates are based on current portfolio composition and market conditions as of April 2026. Actual yields may vary. Past performance is not indicative of future results. Options-based strategies involve additional risks including the potential for increased volatility.

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