Holistic financial planning is at the core of our business philosophy. We follow a comprehensive process of getting to know our clients thoroughly to customize a financial plan, with a particular focus on investment strategy, retirement and estate planning. It is a proven fact that the financial markets cannot be controlled; however, minimizing risk is entirely possible. In the end, building a financial plan based on asset allocation formalizes a framework in order to arrive at a logical buy/sell decision.
Properly diversified investment portfolios require thorough planning, specific stated objectives and a disciplined process in order to achieve success. We follow a detailed, interactive process with all of our clients that touch on specific issues, which leads to a customized, formal investment plan.
The first step in our investment planning process requires collecting client details regarding their past investment experience along with specific expectations of both our team and their portfolio. Understanding the client's tolerance for risk and time horizon is determined by a series of questions that ultimately lays the foundation for their investment profile and policy statement.
After collecting this data, we analyze and formalize a plan, re-confirming the stated objectives in turn creating a customized framework with various investment options. We believe in minimizing investment risk via asset allocation strategies in order to spread out investment capital among fixed income and equities. Diversification between asset classes also encompasses various investment styles, such as value and growth, along with different investment managers that complement the overall strategy. Our investment recommendations include professionally managed, customized portfolios for the core investment holdings harmonized with some exposure to other instruments to capitalize on current and upcoming market trends.
Once the portfolio strategy is confirmed and implemented, the holdings are monitored to ensure the portfolio meets the stated objectives. At this stage, we implement a customized contact plan with our clients in order to provide updates and address any changes. Furthermore, a detailed annual review is required to confirm the portfolio is meeting the specified criteria and to re-balance the holdings to the agreed upon weightings. This establishes a disciplined approach that arrives at logical sell decisions for locking-in profits and redeploying capital.
