Our Process

As your Investment Advisor, we'll serve as your personal financial coach and guide you through every step of the investment process.  We work with specialists in the key areas of investment management and portfolio design - investment professionals who we feel to be among some of the best in the investment industry.  Together, we take you through our Six-Step Investment Process, which serves as the framework for identifying your needs and risk tolerance.  The process allows us to create and implement a customized investment strategy tailored to your long-term investment goals.  

Achieving all your life goals required dedication, skill, and discipline.  This is particularly true when it comes to attaining your financial objectives.

Our six-step investment process is a framework for identifying, analyzing and implementing investment opportunities.  It allows your team members to focus on their particular strengths and to deliver their best ideas.  By following a disciplined process, we strive to make rational investment decisions, focused on long-range goals, which are designed to help maximize long-term results.

1.  Financial Analysis

2.  Asset Allocation

3.  Portfolio Strategist selection

4.  Investment Manager selection

5.  Monitoring and re-balancing

6.  Reporting

What's your Financial Position?

Before providing you with an investment strategy, we first need to understand what your financial position is today.  We need to determine whether or not we are preparing you to accumulate and grow your portfolio, or if you are ready to start taking distributions from the assets that you have already accumulated.  Together, we complete our comprehensive Discovery Workbook that gives us a clearer picture of your financial circumstances, challenges, and objective.  We work with you to explore fundamental issues:

  • What are your investment goals?
  • What is your time horizon?
  • What are your liquidity needs?
  • What is your risk tolerance?
  • What are your investable resources?
  • What are your income needs?

Based on answers to these and other questions, we'll help determine your appetite for risk.  We take this information - this financial intelligence about you - and use it to determine which of six risk/return profiles best match your situation.  Determining where you are in terms of risk and return is the foundation for moving forward.  It sets the framework our recommendations regarding which Portfolio Strategists and Investment Managers will work best for you.

 Which Portfolio Strategist is Right for You?

We believe that your asset allocation decision is the primary determinant of portfolio performance, and the specialist of your Portfolio Strategist(s) is critical.  We adhere to rigorous criteria in selecting our Portfolio Strategists, who are charged with selecting the asset classes and deciding the right mix of stocks, bonds, and cash for your portfolio.  To be considered for selection, firms must:

  • Have considerable specialization in asset allocation and portfolio strategy
  • Conduct substantial research across global capital markets
  • Have an investment policy committee comprised of senior investment professionals
  • Adhere to a defined and disciplined investment process

No investment strategy, such as asset allocation, can guarantee a  profit or protect against loss in periods of declining values.

What's the Right Solution for You?

Investment Managers are responsible for selecting the individual securities that comprise your portfolio.  They are carefully selected by your Portfolio Strategist(s) to implement their specific investment style, based on their performance relative to their peers and to asset class benchmarks.

We're on Constant Watch for You

Managing your investments takes capability, time and focus.  Market forces and economic conditions are constantly changing, which can directly affect your asset mix and prompt the need for reallocation and re-balancing.  It's our job to always be on watch for you.  As your Financial Advisor, we continually monitor your investment portfolio, oversee the Portfolio Strategist(s) decisions to re-balance and realign your portfolio, and then clearly communicate changes to you.

You Need Knowledge, Not Just Information

Our goal is to engage you in the investment process by reporting - clearly, concisely and in a timely manner - what you need to know about your accounts.

An Important part of our job is to keep you well informed about your investment strategy and performance.  Each quarter, we show you exactly where you stand in relation to your goals and objectives.  You will receive print and on-line portfolio information, directly from the investment company, including:

  • Monthly custodial statements
  • Quarterly Performance Reviews
  • Year-end tax reports

Are You Ready to Invest in Your Future?

If you want to identify clear financial goals and make knowledgeable investment decisions, you have an important choice to make.  You can go it alone. Or, you can choose to manage your portfolio by working with a team of specialists who are backed by a disciplined and rigorous decision-making process.

If you are ready to commit to an experienced team, we're ready to work with you.  The next move is yours.  Simply schedule an appointment to work with us to complete your Discovery Workbook.  It's the first step to investing in your future.