Asset Management – A Process Tailored to You

BEATING THE STOCK MARKET IS NOT A FINANCIAL PLAN

• A reliable and sound investment strategy is preceded by a thoughtful plan.
• The first step in our asset management process is to identify your goals, needs and constraints. We evaluate personal circumstances such as your current situation, where you need to get, where you want to get, time horizon, and preference for risk.
• That plan becomes the blueprint to construct an investment portfolio tailored to you. The recommended portfolio will coordinate and complement other elements of your financial plan – ensuring that all parts of your financial picture work together.

ASSET ALLOCATION

• Studies have shown that asset allocation is the single most important determinant of long-term portfolio rate of return*. For that reason we spend a lot of time constructing an asset allocation that is well-balanced, diversified and is built upon your plan.

TAX EFFICIENCY

• Some assets are more tax friendly than others. A diversified portfolio likely includes multiple accounts, some of which are taxable and others that are tax deferred or tax free. We thoughtfully place assets across accounts in a effort to achieve the greatest tax efficiency.

INVESTMENT SOLUTIONS

• Based on your situation and plan, we may employ institutional asset managers, boutique investment firms and/or passive (index-tracking) investments where appropriate.