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Investor Process

Intelligent Investor Process

We feel that informed investors make better investment decisions. It is crucial that each of our clients be actively involved in the management of their own wealth. This assures that each portfolio is designed to address individual needs and goals. To this end, we have developed our own process. Following is a description of each of the steps necessary to help ensure intelligent investing.

The Personal Discovery Interview

The first step of our process is a complimentary, one-hour meeting to get acquainted. The purpose of this meeting is to discuss in detail past investment experience, your current financial situation, and hopes and desires for the future. We will also discuss the scope of our services designed to address specific financial goals.

At the conclusion of the meeting, we will decide which aspects of our process will be most beneficial and what services we will provide.

The Portfolio Vulnerability Study

There are inherent risks to all investments. It is crucial that each investor make informed decisions about the level of risk they are willing to assume. Although past performance is no guarantee of future results, we utilize software based on Modern Portfolio Theory: Asset Allocation to calculate potential risk and expected return over time. This approach to investing has more than 50 years of proven reliability.

The Portfolio Preservation Process

After thorough discussion of the strengths and weaknesses of an existing portfolio, we then recommend alternative allocation strategies and introduce new asset classes designed to help adjust overall portfolio risk in accordance with the investors risk preference.

The Portfolio Management Analysis

In order to potentially maximize investment returns, we feel that it is important to identify managers with outstanding long-term track records. During this part of our process, we review the performance and investment style of each manager and our rationale for selecting them.

The Analysis Report

Our analysis provides each prospective client with a report regarding each of their investments. These reports address each individual holding. Current investments are compared with their corresponding indexes, similar investments and those recommended by our team.

The Custom Portfolio Builder

Each client's portfolio is "tailor made." This means we build portfolios one at a time. Working closely with each client, securities are bought and sold to create a portfolio that will best reflect their investment experience, risk tolerance and future goals.

The Client BriefingSM

We recommend each client receive regular briefings. For these briefings, we will prepare a consolidated report of all investments held and an analysis of each holding. We will prepare an asset allocation analysis that outlines which asset classes are currently being used and recommend changes to potentially take advantage of investment trends and opportunities.

The Lifetime Planning Process

The life span of Americans has greatly increased, thus requiring careful planning to address long-term financial goals. We firmly believe that individuals and families who engage in ongoing financial goal setting and thoughtful planning have the potential to pursue greater financial success.

Individualized wealth management requires that we continually assist our clients with their investment planning, cash flow analysis, tax efficient investing, retirement planning, estate investment planning, insurance planning and education funding options. Our life-long partnership with clients focuses on handling all these aspects of planning.

"Even if you are on the right track, if you sit down, you may get run over." -Will Rogers

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