Investment Process

Our aim throughout the investment management process is to identify where you need to be financially when your income stream stops (your “number”) and develop a working plan to help you get there.

The last thing we want to do is lull you into a false sense of security related to your financial situation. Our rigorous process confronts the reality of your situation and maps out the best path forward. You should walk away from our process not with a false sense of security, but with peace of mind and a solid strategic plan based on facts and sound investment principles.

I. Initial Consultation

We start with a comprehensive review of your objectives, lifestyle costs adjusted for present and future pursuits and a thorough risk assessment. This information is essential for us to create your overall strategic plan, which includes asset allocation, a portfolio strategy and the development of your required Personalized Return Objective^SM (PRO).

II. Personalized Investment Strategy & Implementation

We assess your current investment portfolio, assets and strategy against your new strategic plan, which includes your goals and timeframe. This review, combined with our investment expertise, guides the determination of your personalized investment strategy. Our exclusive Transition Strategy^SM plays an integral part in bridging the transfer of existing investments. Our Chartered Financial Analysts^® tailor a plan specifically around your existing situation to maximize your potential returns while minimizing your tax liabilities.

III. Reporting

We issue clear and concise monthly statements, a quarterly economic outlook, and quarterly performance and asset allocation summaries.

IV. Monitoring & Rebalancing

We continually monitor and analyze your asset allocations and results to judge appropriate performance under prevailing market conditions. We rebalance your portfolio to maintain specified levels of diversification, thereby continuously delivering effective results.

V. Annual Review

We conduct annual reviews with each client to assess what was accomplished during the year, to review your current financial situation and retirement plan, and to recalibrate the approach when circumstances have changed.

VI. Timely Advice & Planning

We know things in life change and that unanticipated opportunities and events can occur suddenly. That’s why financial planning doesn’t just take place annually. We are regularly available for strategic advice and planning whenever situations in life change.

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