Our team offers a specialized and comprehensive solution to your financial needs. In order to create a tailored solution for each client we implement the following process:
1. Understanding Your Needs
In an effort to develop a complete understanding of your needs, we discuss the particular goals, risk tolerance, time horizon, income requirements, tax status, and special circumstances unique to you and your portfolio. Above all, we focus on maximizing after-tax return, while maintaining a long-term perspective, and an appropriate level of risk.
We conduct periodic meetings with you, as necessary, to review your portfolio and Investment Policy as well as discuss any significant changes in your life or financial situation. In addition, we work closely with your tax professional, estate planning attorney, and other advisers.
2. Developing the Investment Policy
Based on our understanding of your specific needs, we draft your Investment Policy. The Investment Policy specifies the asset allocation of your portfolio, the types of securities to invest in, and the expected risk/return profile of your portfolio. It also discusses 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.
3. Implementing the Investment Plan
Only after you have reviewed and approved the Investment Policy will we begin the investment process. Depending on the composition and complexity of your portfolio, we design a customized implementation plan.
4. Monitoring and Reporting
We 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, rebalancing to Investment Policy targets, and maintaining detailed tax records for your account. Our integrated tax management solutions create a seamless wealth management experience for you.