The Investment Process
- Determine Your Risk Profile
Through personal consultations with you, we will develop a personal profile of your individual investment needs and objectives, time horizon, and attitude toward investing. If needed, we will also conduct a full financial plan, including retirement analysis, tax planning, estate planning, and much more.
- Develop Your Asset Allocation Policy
We will develop a personalized asset allocation policy based on the needs and objectives identified in your personal profile. This policy will be designed to help maximize your investment returns, relative to your risk tolerance, through careful, diversified allocation of your investments.
- Implement Your Policy
Your asset allocation policy will be implemented by investing in a well-diversified portfolio that may span multiple asset classes and investment styles, depending on your situation. Assets within your portfolio will be managed by some of the country’s preeminent money management firms, many of which are not accessible to individual investors.
- Monitor and Rebalance Your Portfolio
Your investment portfolio will be carefully monitored on an ongoing basis to ensure that it remains consistent with your agreed-upon asset allocation policy. If the relative value of investments in your portfolio changes enough to become inconsistent with this policy, we will reallocate funds within your portfolio as needed.
- Report the Results
We will communicate with you on a regular basis and provide a comprehensive reporting package, such as account level performance reports and statements providing details of your account - including total asset value and a record of all transactions that occurred during the reporting period.
Please Note: Diversification helps you spread risk throughout your portfolio so that investments that do poorly may be balanced by others that do relatively better. Neither diversification nor asset allocation can assure a profit or protect against loss.