Assessing Client Circumstances

We believe it is our responsibility as financial advisors to help our clients establish and achieve their financial objectives. We need and want to become informed about your unique goals and objectives, your attitudes toward investing, and your risk tolerance. Understanding the importance of your unique time horizons, risk tolerance, and cash flow requirements are paramount in establishing the Investment Policy Document, which is a crucial step in any successful investment strategy.

Portfolio Construction

Together with you, we will establish and document an investment strategy (asset allocation and diversification) designed to meet or exceed your unique financial goals and objectives, assuming the least amount of risk necessary to succeed. The asset allocation decision should be deliberate, thoughtful and proactive, not reactive.

Investment Selection

We will implement your investment strategy by thoughtfully selecting investment managers (mutual funds or separate accounts) whose style, process, and people are best suited to your criteria and objectives.

Ongoing Monitoring and Rebalancing

Continuous portfolio management and oversight is the foundation of our value-added approach designed to enhance returns and reduce risk, thus improving the probability that you will achieve your financial objectives. We will make the necessary changes to keep your portfolio on track, such as rebalancing. The process of rebalancing a portfolio forces the taking of periodic profits, reduces the likelihood of unwittingly assuming too much risk caused by run-up in riskier assets, and facilitates buying low.

Ongoing Communication

We will provide ongoing communication and education via reporting and periodic review meetings. We are always available to talk to our clients. The formal written and oral communication plan is always customized to suit the client’s needs.