Our process integrates sound, timely financial planning advice with a proven, effective investment discipline to grow and preserve wealth over time.
Each client is unique with respect to their particular income needs, risk-reward preferences and income tax situations. For this reason, we develop distinct investment policies that are designed to address the specific needs of each and every client. We deliver customized portfolios and ongoing investment management, while providing the necessary flexibility to adjust to ever-changing market conditions and altered income needs.
Our process involves multiple steps which focus on the specific needs of each client.
Step One: An advisor meets with the clients to determine their financial needs relating
to income, retirement lifestyle, tax situation, and estate planning considerations. The advisor helps the client develop goals and objectives.
Step Two: The advisor works with the client to develop an Investment Policy
Statement which defines the acceptable level of investment risk for the client’s portfolio.
Step Three: The investment time horizon is discussed and the advisor determines the
amount of income or capital needed through various stages of time.
Step Four: Special circumstances are evaluated and considered such as income from
various sources, specific tax events, planned withdrawals, or other unique factors to the client. The portfolio is constructed around all of these particular factors.
Step Five: The Investment Policy Statement is implemented and current investments are either sold or integrated into the newly developed customized portfolio.
Step Six: The portfolio is monitored daily and investment decisions are made at the portfolio level as the client needs dictate. Periodic reviews are held with the client. Portfolio composition or appropriate strategy adjustments may be made to reflect changing income needs or other client-specific events.
