Investment Planning and Management

Every client’s investment situation is unique and is affected by the purpose of their investment assets, the length of time the client commits to the investment strategy, the expected contributions and withdrawals from the portfolio, personal or legal constraints on the portfolio or specific investment assets, and the client’s capacity and tolerance for accepting risk to achieve returns.

By recognizing, evaluating and incorporating each client’s unique investment attributes, significant value is added through a disciplined planning process of:

Conducting a thorough analysis of the client’s current investment activities in the context of his or her overall financial position.  We conduct thorough discussions to identify unusual risks or opportunities such as tax, retirement and estate planning needs that will weigh in crafting a unique investment plan.  The analysis also includes an evaluation of the investment expenses the client is currently incurring.

Designing an appropriate asset allocation strategy among the major asset classes of cash, stocks (value, growth, international), bonds and alternative investments to address long and short term needs while taking into consideration the client’s risk tolerance, asset class preferences, time horizon for major disbursements and expected returns.  The client will be continually advised and educated on investment choices and modern portfolio concepts.  The asset allocation decision is now widely understood by successful investors to be the single most important determinant of the long-term performance of any investment program.

Implementing the approved investment plan by recommending proprietarily screened no-load mutual funds and exchange traded funds (ETFs) whose organization, performance and style have met rigorous standards.  The firm is pleased to include among its recommended list of approved mutual funds those offered by Dimensional Fund Advisers.  The firm will also coordinate low cost custody and brokerage services on behalf of the client.

Developing a personal, written investment policy statement to include background and purpose of the investment plan, investment objectives, asset allocation, securities guidelines, procedures for selecting securities or mutual funds, and procedures for monitoring the organization, performance and style of each money manager or mutual fund.

Providing ongoing supervision of the client’s investment program by reviewing monthly statements, the relative performance of the investments and the allocation of money among the various investment classes and styles, and periodically rebalancing positions to investment policy targets to assure a sound discipline and adherence to the client’s long-term goals.  All of this is set in the context of the client’s ever-changing life and financial situation.