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.

OUR APPROACH

We help you develop a financial plan that reflects your:

• goals
• priorities
• values

Our financial planning process typically involves four meetings.

STEP 1

Having a Conversation

We get together for about an hour and have an informal conversation about your interest in financial planning. We talk our background, answer any questions, explain our process and share our charges for financial planning services. This meeting is complimentary.

STEP 2

Gathering Information

We spend about two hours learning about your financial life. We review your financial documents and lead you through a structured fact-finding process. We will also discuss your financial goals, values and priorities.

STEP 3

Presenting Your Plan

We invest about two hours going over your financial plan and answering any questions. Our goal is to have a common understanding of the recommendations. We encourage you to take the plan home to evaluate our recommendations.

STEP 4

Implementing Your Plan

We will provide you with a detailed action plan. We will be your partner 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 on-going basis.

STEP 5

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.