OUR APPROACH

We start with a comprehensive financial plan, which is essential in understanding your investment needs and goals. We follow a process that:

• is specific to your investment recommendations
• ensures all recommendations meet your goals and objectives
• uses due diligence with all investments in your portfolio

STEP 1

Understanding Your Needs

We discuss the particular goals, risk tolerance, time horizon, income requirements, tax status and special circumstances unique to the you and your portfolio.

STEP 2

Developing the Investment Policy

We draft your policy, which specifies your time horizon, risk tolerance, the types of securities to invest in and the asset allocation of your portfolio. It will also discuss your income requirements and any extraordinary circumstances which will affect the management of your assets. Your Investment Policy is our joint plan to reach your goals.

STEP 3

Implementing the Investment Plan

After you have reviewed and approved the Investment Policy, we will begin the investment process.

STEP 4

Monitoring and Reporting

We will manage your portfolio in accordance with your Investment Policy. This includes monitoring your investments, providing you with quarterly portfolio appraisal and performance reports, investing additional cash inflows, re-balancing to Investment Policy targets, and maintaining detailed tax records for your account. Above all, we focus on maximizing after-tax return while maintaining a long-term perspective and an appropriate level of risk.

STEP 5

Conducting Periodic Meetings

We will have periodic meetings as necessary to review your portfolio and your Investment Policy and to discuss any significant changes in your life or financial situation.

STEP 1

Having a Conversation

Before we start a plan, we’ll meet to have an informal conversation about your interest in financial planning. We discuss our background, explain our process, and answer any questions you may have. This meeting is complimentary.

STEP 2

Gathering Information

Once we start the plan, we’ll gather the information from you that we need to review and execute. We will familiarize ourselves with your situation and then go to work doing what we love.

STEP 3

Assumptions

After we have worked out a rough draft plan/strategy, we’ll meet again to clarify any questions we may have and confirm we are all on the same page for your plan.

STEP 4

Presenting Your Plan

After fine-tuning your plan, we will present your financial plan and answer any questions you have. Our goal is to have a common understanding of the recommendations. We encourage you to take the plan home to evaluate our recommendations.

STEP 5

Implementing Your Plan

We will provide you with a detailed action plan. We will be your partner in making it happen. Typically, we will set up an appointment to review the plan in one year. We believe that financial planning is a process – financial circumstances change and plans need to be updated on an ongoing basis.

STEP 6

Following Up

During the course of the year after the implementation of the plan, we will provide you with assistance and advice on any topic discussed in the planning process.