Investment Process

Achieving financial success is a complex and confusing process—one that requires a significant amount of time, knowledge, and resources. Our services are designed to help protect, preserve, and pursue your wealth by employing prudent investment strategies to help you target financial success.

We follow a well-defined, time-proven process to increase the probability that your financial goals will be met. Our process is built around you—your needs and objectives, your time frame and risk tolerance. As any of these pieces changes, our ongoing management and monitoring process ensures that your investment portfolio evolves with you.

Our 5-step wealth management process is designed to respond to your individual needs while responding to the dynamics of the financial markets.

Step 1: Determine Your Investment Objectives and Risk Profile

Through personal consultations, we will develop a personal profile of your individual investment needs and objectives and time horizon. We will help you determine whether you need investments that generate income, offer growth potential, or a combination of both. It is also critical to understand risk, the types of risk that you potentially face, and your attitude toward these risks.

Step 2: Set Your Asset Allocation Policy

Research has shown that the asset allocation decision—how your investments are diversified among various asset classes (stocks, bonds, real estate, and cash)—has the most significant impact on overall portfolio performance.

We follow the principles of Modern Portfolio Theory, which earned a Nobel Prize in Economics in 1990 for Dr. William Sharpe and Dr. Harry Markowitz. This theory forms the basis of a well-known asset allocation technique called Capital Asset Pricing Model (CAPM). Using this highly sophisticated technique, we draw on decades' worth of market data and analysis to assess the likely behavior of your portfolio.

Step 3: Implementation

Once your asset allocation policy has been developed, we implement your investment strategy by investing in a well-diversified portfolio managed by pre-eminent money managers.

In addition, any needed legal documents would be drafted (will, trust, power of attorney, health care proxy, etc.). Titling of assets is also coordinated.

Our plans are designed and implemented with prudent flexibility to assure the strategies can be responsive in an ever-changing world.

Step 4: Rebalance Your Portfolio

Rebalancing is a disciplined method of ensuring that your portfolio is being managed in a manner consistent with your designated asset allocation policy. Once your portfolio is implemented, it is carefully monitored, on an ongoing basis, to ensure that it remains consistent with your desired asset allocation strategy.

Without rebalancing, the mix of assets in your portfolio may become inconsistent with your asset allocation policy. This can occur over time as different asset classes increase or decrease in value and can result in unplanned overexposure or underexposure to certain asset classes.

Step 5: Communication

We will communicate with you on a regular basis and provide various reports, including account performance and detailed account statements.

We establish reviews to evaluate your plan's performance and to make any necessary adjustment due to changing laws, market conditions, objectives, and/or investment performance.

In addition, we send out, via e-mail, weekly and monthly market commentaries. These commentaries are also posted on our website.