Our proven investment process
Understanding – Through in-depth discussion and financial analysis, we create a profile of your situation: time horizon, risk tolerance, goals, and expectations. We may also prepare a detailed investment plan to help you manage debt or implement a savings strategy.
Planning – We prepare an individualized Investment Policy Statement (IPS) for you that outlines our asset allocation strategy recommendation and our service and communication commitments, so that you know exactly what to expect when working with us.
Implementing – We select investments to implement the asset allocation recommendation. Your portfolio is constructed with investments aligned with your risk and return objectives, while incorporating estate planning and tax saving strategies. Your portfolio is constructed using combinations of managed money (investments chosen on a discretionary basis) and advised accounts: (we make recommendations but you maintain ultimate control over the decisions being made).
Reviewing – Every quarter, we provide you with a performance report that summarizes the individual securities in your portfolio, and comprehensive year-end performance reporting that outlines realized capital gains and losses so that you understand how your portfolio is working for you. Personal meetings at least once a year determine if your profile is accurate and, by extension, whether it continues to meet your current and future financial needs.
Retirement coaching. I take a holistic approach that considers family, health, lifestyle, and community issues; conduct a financial check-up, pension plan assessment, as well as a valuation and analysis of your insurance policies and employment retirement package; and review and update your current retirement plan, showing you how to generate more tax-efficient income.
Estate and tax planning. I will help you establish a Will and Power of Attorney. Family trusts and private foundations are considered, and, if you have a family business, we will discuss its sale or its role in your retirement years. I will offer guidance about philanthropic practices and charitable giving solutions to plan a legacy that will add meaning to your life and shape the way you are remembered.