How We Work With You

We work closely with you and your other trusted advisors to align your life values with your financial goals and objectives. We do this by adhering to the following Investment Philosophy that represents our beliefs and principles and guides our decision making process giving us the best chance for success over the long term.

Diversification
Open Architecture Manager Selection
Risk Management
Ongoing portfolio management

INVESTMENT PROCESS- We follow a well defined and consistent investment process to increase the probability that your financial goals will be met. Our six step process is built around you with careful consideration to your needs and objectives, your time frame and your risk tolerance.

Step 1- Introduction- In this step of the process we define and agree upon roles and responsibilities. We define the scope of the relationship to include next steps and who will be responsible for what actions. We will provide the client with an overview of our firm, our core values, our investment philosophy as well as our investment process. Finally, we will discuss fees, communication styles and our collaboration with other financial professionals.
Step 2- Client Data Gathering and Goal Setting- In this step, we will obtain previously agreed upon financial information in order to begin the process of defining the client’s goal and objectives. We will have a discussion on risk tolerances, investing preferences and timing in order to formulate an asset allocation plan.
Step 3- Analysis of Current Situation and Development of Asset Allocation Strategy- In this step, we will analyze the clients current financial situation and investment plan to determine if they are compatible with the clients goals and objectives. Current investments will be analyzed to determine if better alternatives are available. Research has shown that the asset allocation decision- how your investments are diversified among various asset classes, has the most significant impact on overall performance. In this step, we will review current allocation and develop a new strategy if appropriate.
Step 4- Recommendations and Implementation of Plan- Based on all the information gathered and conversation from previous steps, we carefully align the client’s goals and objectives with investment portfolio recommendations. The implementation plan is discussed to include timing of changes, responsible parties and specific managers to be utilized. Actual implementation happens by investing in a well diversified portfolio managed by hand picked and pre-eminent money managers.
Step 5- Rebalancing- Rebalancing is a disciplined approach of ensuring that your portfolio is being managed in a manner that is consistent with your asset allocation plan. Your portfolio is then monitored on a regular basis to ensure that it remains consistent with your desired asset allocation strategy. Without rebalancing, the mix of assets in the portfolio may become inconsistent with the original asset allocation plan. This can occur over time as assets increase or decrease in value resulting in overexposure or underexposure to certain asset classes.
Step 6- Monitoring and Checking Progress- Portfolio management is a continuous process that requires monitoring and periodic progress checks. This step allows us to have the discipline necessary to adhere to the investment plan and check for progress toward goals. In addition, the progress checks will provide the opportunity to discuss life changes with the client or market conditions that might suggest adjustments to the portfolio