Our approach to investment advisory highlights the complex tradeoffs each investor must make between risk, return, tax efficiency, time horizon, cash needs, and the personal circumstances that are specific to each client. We assist you in developing an investment strategy that will help you meet your investing goals while effectively managing your risks.
We begin the relationship with a thorough education process, during which time we familiarize you with the markets, outline investment alternatives, discuss asset allocation strategies, and review expected returns from different asset classes. We will develop an understanding of your risk tolerance and investment objectives to design an investment portfolio that is focused on your specific needs.
Specifically, we help you to:
- Compile your total net worth, which we monitor on a regular basis.
- Develop an investment policy that reflects your current financial picture, incorporates your long-term objectives, and addresses your personal tolerance for risk.
- Identify your investment assets, setting aside emergency funds, personal assets, and other cash requirements. We determine the appropriate asset allocation strategy, classifying investments according to the underlying assets used in specific investment products.
- Develop objectives for your investment portfolio, and analyze whether the current configuration will meet these objectives.
- Evaluate and select investment options. We help you identify various investment options made available through company plans and outside investment professionals, analyze their potential risks and returns, and compare findings with alternatives so that you can make informed decisions about your investments.
- Select money managers or mutual funds based on your risk profile, suitability and objectives.
- Implement investment plans and recommendations.
- Manage taxes and other expenses. We examine tax laws as they apply to your investments, so that you gain a clear picture of the tax impacts, and analyze how products are structured to provide an understanding of associated fees and commissions.
- Assess the ongoing performance of your portfolio against your objectives. We help you make adjustments to your investment policy when necessary to keep your portfolio on track.
