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 Investments play a key role in helping you achieve your goals. We believe that financial planning is the cornerstone of a successful investment plan – not vice versa.
To navigate successfully in the world of investments takes time, knowledge, discipline, and a good deal of fortitude. Most individual investors lack at least one of these critical components, and thus can benefit from professional support.
We believe two broad components determine whether or not you will succeed as an investor.
Your Investment Strategy
Numerous studies have shown the key to a successful investment plan is the establishment of an appropriate asset allocation strategy. We will help you understand the importance of establishing such a strategy, and put together a plan that considers both your capacity to handle risk and your willingness to accept risk, as well as your investment goals, your time horizon and your targeted long term rate of return.
We will meet with you periodically to reassess the inevitable changes in your goals and/personal circumstances. We will evaluate whether these changes might influence your financial decisions. We help you to manage the changes in your life, and respond with recommended adjustments to your investment strategy.
Investment Plan Implementation
Even with the right investment strategy in place, a lot of opportunity can be lost or gained through the quality of implementation. When individual investors lack the time, knowledge, discipline, and fortitude necessary to maintain an investment strategy themselves returns can be compromised. Risk can increase and tax opportunities can be lost. Conversely, when implementation of an investment plan by professionals follows a disciplined process, investment returns can be enhanced, risk can be better managed, and tax efficiencies gained.
Our goal is for the relationship between you as the client and us as the adviser to lead to the appropriate outcome (the achievement of your financial goals). We will facilitate discussions regarding investment plan implementation to help ensure that the roles and responsibilities shared between us are workable.
Clients who elect to engage us for ongoing investment advisory services can expect to benefit from the following:
Risk Profiling
Our assessment of your ability to tolerate risk is critical to designing the right portfolio for you – one that you will be able to commit to through both good and difficult times. We utilize a world-class profiling system to process your risk tolerance in a scientifically validated manner.
Investment Policy Statement
The investment policy statement (IPS) is the basic building block of an intentional investment process. This document establishes a clear understanding between investor in investment advisor as to the objectives and guidelines applicable to your portfolio. It clearly defines how your assets will be managed.
A Disciplined Management Process
This includes constructing a portfolio with high-quality diversified holdings, and keeping the portfolio balanced and aligned with your changing goals.
Sensitivity to Tax and Fees
We take steps to ensure that the total fees associated with your investment implementation are commensurate with the value received. Many individual investors pay unnecessary fees that do not provide any value-added benefit. If you hold assets in a taxable account, taxes are a potential large expense. We employ tax managed strategies for taxable accounts to better manage the tax consequences of your portfolio.
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