Investment Planning

A Disciplined Investment Process is Key

Our Investment Planning Process

In order to meet your financial goals, the need for a well-diversified and professionally managed Investment Plan is critical. Our process will take you through the following steps:

Setting Your Investment Goals

The first step in Investment Planning is simply becoming familiar with your particular circumstances. Your current financial condition and future expectations are the basis for all further investment decisions. Who you are as an investor will determine which investment strategy or strategies you should implement.

Understanding Your Investment Personality

Remember, no investment plan is likely to be successful if it doesn’t fit your temperament and your individual financial situation.

Designing an Investment Portfolio

Now it is time for us to implement your Investment Plan by designing your investment portfolio. We match your investment goals and personality to a combination of various investment categories. No one asset allocation strategy is appropriate for everyone. The investment plan that suits you best depends on your individual investor profile.

Selecting Specific Investments

Selecting the appropriate investments is an important part of the Investment Planning process. One key point is to understand the role of your planner in the investing process. Investment management is performed under a Fiduciary Standard of Care. Before any managed investment is chosen, it should meet a number of criteria including, but not limited to:

  • Performance relative to peers
  • Risk-adjusted performance relative to peers
  • Expense ratios/fees relative to peers
  • Style consistency
  • Composition consistent with asset class
  • Assets in the investment
  • Stability of the organization
  • Minimum track record
  • Regulatory oversight

Managing and Monitoring the Portfolio

Once your investment plan is set in motion, your portfolio needs ongoing monitoring. We will review your investments regularly to make sure they’re on track. As your circumstances or the investment landscape change, your portfolio may need some adjusting. A detailed and comprehensive review occurs quarterly.

Rebalancing or Redesigning the Portfolio, If Needed

An Investment Plan is incomplete without the periodic reviews of your portfolio, during which, we may find the need to make changes if it is not performing as expected. We may adjust the amount invested in various categories to return to the original asset allocation. Redesigning your portfolio would involve adjusting it to take into account significant changes in the market, or your personal situation. Keep in mind, since your accounts are managed for a fee, changes are made with your best interest in mind.

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  • Your funds are the least expensive?
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