Our approach to financial planning highlights the complex tradeoffs each investor must make between risk, return, tax efficiency, time horizon, cash needs and the personal circumstances that are unique to each client. By creating a relationship based around your goals, we’re able to assist you in developing an investment strategy that will help you meet those goals while effectively managing your risks.

Like any relationship, the more you know at the start, the easier it is to communicate clearly. That’s why we take the time to discuss with you the various markets, investment alternatives, asset allocation strategies and expected returns from different asset classes. At the same time, we get to learn more about you—your risk tolerance and objectives—enabling us to design an investment portfolio that’s right for you.

Specifically, we:

• Compile your total net worth, which we monitor on a regular basis.
   
• Develop an investment policy that reflects your current financial picture, incorporates your long-term objectives and addresses your personal tolerance for risk.
   
• Identify your investment assets, setting aside emergency funds, personal assets and other cash requirements. We determine the appropriate asset allocation strategy, classifying investments according to the underlying assets used in specific investment products.
   
• Develop objectives for your investment portfolio, and analyze whether the current configuration meets these objectives.
   
• Evaluate and select investment options. We help you identify various investment options made available through company plans and outside investment professionals, analyze their potential risks and returns, and compare findings with alternatives so that you can make informed decisions about your investments.
   
• Select money managers or mutual funds that help you realize your investment goals.
   
• Implement investment plans and approved recommendations.
   
• Manage taxes and other expenses. We examine tax laws as they apply to your investments, giving you a clear picture of the tax impacts. And we analyze how products are structured to provide an understanding of associated fees and commissions.
   
• Assess the ongoing performance of your portfolio against your objectives. We help you make adjustments to your investment policy when necessary to keep your portfolio on track.