Investment Process & Philosophy
The investment process begins with the development of an Investment Policy and Guideline statement tailored specifically for each client. Working with each client, the existing assets and asset allocation are analyzed, The client's objectives are reviewed as well as the tolerance for risk, investment time horizon, liquidity, income needs, and tax situation. From this process a policy and guideline is recommended and established for the management of each client's portfolio. Specific equity and fixed income securities are selected in a portfolio designed to assist each client in reaching their goals and objectives. This process is ongoing, with adjustments made over time as each individual's unique circumstances change.
Identify Objectives
- Client profile
- Risk tolerance/return objectives
- Cash flow/income needs
- Investment horizon
- Evaluate current portfolio
- Tax planning
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Create Investment Policy Statement
- Formalize investment objectives
- Establish risk/reward parameters
- Select asset classes
- Define allocation constraints
- Set guidelines for performance evaluation
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