DISCOVERY

One of the most important components of any successful advisory relationship is truly understanding who you are as a person.  With our Discovery Process, we focus on what is most important to you, both financially and personally.  We will look at all the major aspects of your financial life, including your specific values and goals as well as your time horizon, income and liquidity needs and ability / willingness to take risk.  Together, we will define your personal definition of financial success and work with you to translate this into prioritized goals.  As part of this step, we will also make a "Mutual Commitment" to work together and put your plan in place.

ANALYSIS

In order for us to thoroughly understand your situation, we will take a comprehensive inventory of your current financial position, including strengths as well as any gaps or weaknesses.  We will also analyze the effectiveness, composition and expenses of your existing portfolio.  We will analyze specific items for action to make sure that your goals and financial situation are aligned.

DEVELOPMENT

Based on our analysis, we will develop a long-term wealth plan focused on getting you from where you are today working towards where you want to be in the future.  Through this process, we will address any items that need clarification, and make alterations based on any additional information.  We think that an open, honest dialogue about your financial needs, beliefs, expectations, and concerns is critical to any successful advisory relationship.

IMPLEMENTATION

The next step is the implementation of your plan.  In addition to creating your investment portfolio we will also work with a team of financial professionals to address all the non-investment action items we've identified.  You will also receive an Investment Policy Statement (IPS), which documents what we have agreed to and assigns responsibility and accountability.

MONITORING

Your plan is never static.  That's why we'll make our Discovery Process part of our ongoing meetings, so that your plan always reflects your life.  We will monitor your plan closely and provide you with clear and concise reporting.  In addition, as financial markets rise and fall, your portfolio's exposure to stocks, bonds, cash and other investments will tend to fluctuate as well.  Through periodic rebalancing* we will make sure your portfolio maintains its target allocations.  This helps control the level of risk in your portfolio and minimizes emotional decision making.

Diversification and asset allocation help you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better.  Neither diversification nor asset allocation can ensure a profit or protect against a loss.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.