Step 1: Advice and Planning
We draw on extensive experience to ask the right questions and lay a comprehensive foundation for your investment plan. We review your current financial situation in detail to better understand your short- and long-term objectives, such as risk tolerance, liquidity requirements, return objectives and income requirements. We use this information to define and document your goals and expectations.
Step 2: Portfolio Modeling and Design
Our objective is to help maximize your investment returns potential within the context of your financial goals while working within your stated risk tolerance. We employ sophisticated modeling tools that illustrate the future implications of different portfolios applied to your financial situation, assets and cash flow needs. Together we then agree on your optimal allocation and document this in your individualized investment policy statement.
Step 3: Manager Search and Selection
We consider manager selection an art as well as science and believe that clients need access to a broad universe of money managers. These are chosen from a combination of institutional money managers, mutual fund companies or exchange-traded funds. With over 17,000 mutual funds available, our goal is to help investors make effective selections by applying a disciplined selection process. Managers are selected based upon a number of factors including: management integrity, investment risk, investment style, fund performance, expense ratio, manager tenure, concentration, and turnover of holdings.
Step 4: Implementation
We will present you with a recommended portfolio to help towards pursuing your goals. If you are in agreement, we will implement the selections for you.
Step 5: Monitoring and Reporting
We review the managers we have selected for you and will proactively notify you if changes are recommended. Investment clients receive monthly and quarterly statements, and we hold in-person meetings quarterly or as needed.