Investment Process

The investment process begins with the initial client meeting and is a never-ending, ever-evolving process. During the initial client meeting, we will discuss client investment goals, review current assets, and construct an investment plan.

This process can be broken down into four stages:

1. Initial Client meeting

Review of current assets
We will discuss your current financial situation and establish long-term goals.
Client Profile Questionnaire
Each client completes a questionnaire which asks various questions regarding investment risk, expectations, and time horizons. Your answers to the various questions are then totaled up to create your unique investor profile.

2. Proposal / Construction of Asset Allocation

A proposed investment portfolio will then be constructed, keeping in mind any restrictions that may be placed on the account. A full analysis will be provided that shows the expected growth potential and risk characteristics of the portfolio.

3. Implementation

After this investment plan has been agreed upon, the implementation period will begin in which the advisor will gradually move the assets toward the target allocation and target portfolio as market conditions warrant.

4. Rebalancing and Ongoing Monitoring

For many accounts, an asset allocation “rebalancing” program may be implemented. This strategy calls for target allocation percentages for various asset classes. As one asset class grows to occupy a larger percentage of the portfolio, a small amount of that asset class can be sold, and that revenue is used to purchase securities in an under-represented asset class. In this way we can simultaneously “keep our winners” by only selling a small portion of that asset, while also “selling high” in one asset class and “buying low” in another.