WEALTH MANAGEMENT PROCESS

We work with each individual client to design a total portfolio management strategy that’s matched to their unique goals. These include:

  1. Risk tolerance assessment – We determine an acceptable risk level for each client’s assets and discuss all tax sensitive strategies. These risk levels range from conservative to aggressive, with and without a tax-efficient strategy.
  2. Portfolio identification – Using risk tolerance as a guide, we design a diversified portfolio with a mix of investment types. We also determine targeted allocations for each. This might be 75% fixed income and 25% equities, or vice versa. Each client is different.
  3. Research and manager selection – Now that we have an overall asset allocation strategy, we can fulfill the individual asset classes by using our exclusive research methods to select specific investment tools and managers.
  4. Implementation and monitoring – We implement each client’s investment plan on a customized schedule based on investment types and availability. The portfolio is monitored weekly, monthly and quarterly in different aspects.
  5. Rebalance – We periodically reset the portfolio back to its originally intended allocations. Typical rebalance schedules range from quarterly to annually.
  6. Reporting and Reviews – Each client receives monthly position and transaction statements from their custodian and quarterly performance reports from us. While we typically have one face-to-face client meeting per year, we are always available to discuss the portfolio and answer all questions.