Our Process

A financial plan is as unique as you and your individual hopes and dreams. The approach we use in putting together a plan for you can help you define what your needs are and the logical steps in achieving your objectives.

Assess Your Needs

First, we will identify your investment objectives by asking you about your financial goals. We will explore important concerns such as your risk tolerance, your tax situation, your investment time horizon, your plans for retirement, and whether or not you want to take current income from your portfolio.

We help you define the following answers and make a plan to meet your goals.

  • What steps do you need to take to achieve the goals you have for you and your family?
  • What are your priorities and what matters most?
  • How will you stay focused to achieve your primary goals?
  • What are your strengths, opportunities and obstacles for achieving your goals?

Establish a Plan

Next, we will help you develop a financial plan designed to achieve your goals. This will include your investment plan with expected investment returns, your ideal asset mix between stocks and bonds and the general types of securities that are suitable for you. Other assets such as investment properties, pension plans, 401k or 403b will be factored into your plan so that you have a comprehensive view of your financial life. We help you develop a personalized path to attain your goals by identifying your core values.

Implement the Plan

We will be responsible for the day-to-day management of your investment portfolio, choosing individual securities or mutual funds that meet your objectives and executing trades on your behalf.

Monitor our Investments

We will watch your portfolio and make adjustments as necessary. In addition to your regular investment account statements, you will also receive periodic updates to tell you how you are doing. We measure and monitor your success along the path by providing answers to:

  • How am I doing?
  • Am I staying on track towards my goals?
  • Are my investments performing well and suitable to my comfort with risk and loss?
  • Will I have a comfortable retirement?
  • Is my future secure?
  • Will my spouse be comfortable should I die first?
  • Will my children's inheritance be safe?

Define Your Objectives

The following factors influence the way your investment portfolio is managed:

Risk Tolerance

Risk and return usually go hand in hand. The more you hope to earn, the more risk you must be willing to take.

Time Horizon

How long you plan to leave the money invested will determine your investment strategy. Generally, a long-term strategy is more flexible and may result in more consistent returns.

Income Needs

We will need to know if you plan to draw income from the portfolio.

Tax Situation

We will want to know your tax situation so the tax consequences of transactions can be minimized wherever possible.

Personal Preferences

If you would like to place any restrictions on investments based on your values, such as not supporting tobacco, alcohol, environmental or any other concerns, please be sure let us know.

 

If you would like a complimentary financial review, please complete this Questionnaire so that we can learn more about you and your needs.