Client service is predicated on knowing the individual and their needs. We utilize a multi-step process to initiate a relationship and maintain continuous oversight of investment performance.

The process includes:

Comprehensive review: In conjunction with the client we perform an assessment of current financial needs as well as intermediate and long term objectives and obligations. The review may include such things as expenses for children’s education, elder health care, and retirement projections.

Investment Plan: The plan is designed to address a client’s specific needs and is based on an asset allocation aligned with the identified goals and objectives. The investment plan reflects current market conditions, prospective outlook and the individual’s risk tolerance.

Implementation: The type and timing of investments are unique for each client. The asset allocation is implemented through careful selection of stocks, bonds, exchange traded funds, and no load mutual funds.

Oversight: The asset allocation and securities performance are continually monitored to ensure compliance with the client’s objectives and investment plan. The portfolios are reviewed on an ongoing basis in light of conditions in the financial markets. Portfolios are rebalanced in a tax sensitive manner.

Collaboration: We work with the client’s other professionals, such as estate attorney and tax accountant, to provide financial and tax information.