4 Step Process
Our 4 Step Client Process
It starts with you. When an individual indicates an interest in working with us, we go through a series of steps designed to develop a customized approach addressing what's important to you.
1. We Work to Determine Your Goals and Objectives - We'll assess your economic, investment, and lifestyle goals as well as retirement plans and needs. We also work to identify short, medium, and long-term investment targets.
Together, we will work to determine your customized financial strategy, taking into consideration the following:
- Investment goals
- Time horizon – When do you need the money?
- Income needs
- Tax considerations
- Retirement dreams
- Charitable giving
- Risk tolerance
- Performance expectations
- Liquidity requirements
- Current investments
- Creating a legacy
2. Develop Your Investment Strategy. We analyze the information provided in the first step and develop a strategy for investment and financial recommendations tailored to the unique needs of the individual, consistent with their tolerance for investment risk.
Accessing the expertise of experienced research strategists, we will identify the most appropriate investment strategies by taking into account the following considerations:
- Asset allocation models
- Correlation between asset classes
- Investment types
- Risk/reward characteristics of asset classes
- Investment platforms
- Investment managers
3. Implement Your Portfolio. Next, we begin the process of structuring an investment approach and building a portfolio of investment vehicles seeking to address your specific needs. This process includes the following action items:
- Set realistic expectations
- Transition existing securities
- Determine type of ownership and beneficiaries
- Discuss source of funds
- Complete and sign all paperwork
4. Review and Manage Your Portfolio. We strive to facilitate superior communication with the client and provide an opportunity for feedback on an on-going basis.
Once your investments are in place, the process of reviewing and managing your portfolio begins, which includes:
- Regular meetings and discussions
- Active, ongoing portfolio reviews
- Periodic re-examination of your investment strategy
- Rebalancing decisions*
- Consolidated quarterly performance reports
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk. No strategy assures success or protects against loss.
*Rebalancing may involve tax consequences.