Investment Process

When we meet a prospective client, we engage in an in-depth interview to determine that client’s financial goals and needs. Further, a questionnaire is utilized to help reveal the client’s risk tolerance. Next, we present a proposed asset allocation model for client approval. Once approved, a formalized Investment Policy Statement (IPS) is presented that lays out our responsibilities, and instructs us how to manage the account, as well as instructs the client as to their responsibility. After the IPS is completed, we will invest the assets accordingly, and we will monitor each client account on an ongoing basis. Finally, rebalancing is a critical step in our process, as active rebalancing can reduce volatility and add 1-3% to a portfolio’s annual return. We will rebalance accounts at least annually, while keeping tax implications in mind. At a minimum we review a client’s risk tolerance and IPS annually to ensure that we are informed of changes in their financial needs and goals.