Investment Process & Philosophy
Our investment process begins with the development of an Investment Policy and Guideline statement tailored specifically for each client. Working with our clients, we analyze existing assets and asset allocation, and review the client's objectives, time horizon, tolerance for risk, liquidity, income needs, and tax situation. From this process, we recommend and establish policies and guidelines for the management of each client's portfolio. We select specific equity and fixed income securities 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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