Our Wealth Management Process

We help clients build and grow wealth. This is done with an appreciation that each client defines wealth building in their own way. For one client, it may involve saving for their children’s college education. For another, it involves establishing a company sponsored retirement strategies for themselves and their employees.

While each client’s financial objectives are unique, all clients work through our four-step process to develop a customized financial stragegy and implement their investment strategy.

Step One – Define Goals, Needs and Risk Tolerance

We help you define in specific terms your financial objectives and provide a clear picture of your current financial situation. During this step, your tolerance for risk and investment time horizon is documented for the strategy and implementation steps.

Step Two – Design an Investment Strategy and Portfolio Recommendation

A personalized investment strategy is developed that will serve as your financial roadmap. It includes an evaluation of your current financial situation, incorporates your financial goals and provides a time line. A recommended investment strategy is also provided that is tax-efficient and in line with the risk tolerance defined in step one. These recommendations along with realistic expectations for investment performance are incorporated into a written investment strategy.

Step Three – Create and Implement Investment Selections

Our next step is to create a portfolio of investments designed to help you achieve your goals. Using investment research that is superior and conflict-free, investments are identified that align with your recommended asset allocation and risk tolerance. As an independent firm, we use an open architecture platform that allows us to customize the portfolio as needed to achieve tax efficiency and diversification with access to institutional money managers. This gives us the freedom to recommend what is in our client’s best interest and flexibility to find solutions from a larger universe of investment options.

Step Four – Monitor and Consult with Client

Once the initial investment portfolio has been implemented, we monitor its performance relative to your financial startegy and tolerance for risk. You will receive quarterly reports from us detailing the performance of your investment portfolio. On a regular basis, we meet with each client to review their investment portfolio and financial strategy incorporating changes as needed.

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