At the beginning of our relationship, we will meet with you, ask questions, and discuss your investment objectives, time horizon, risk tolerance, existing holdings, and tax situation. Based on this review, we will work together to develop an Investment Plan that outlines the types of investments we will make on your behalf to meet your financial goals.
Our portfolios are mainly composed of indexed mutual funds and exchange traded funds (ETFs) across various asset classes such as stocks and bonds. These asset classes are weighted to achieve the desired relationship between correlation, risk, and return. Actively managed funds may be used for certain asset classes where we deem it advantageous to attempt to increase risk-adjusted return. We will also take tactical positions over time, adjusting the portfolio's allocation and adding or removing investments when we feel that they have been improperly priced by the market.
In addition to responding to market conditions, we conduct periodic reviews of your investments and rebalance to prevent the portfolio from drifting dramatically from the target allocation. We will work with you to invest new contributions and manage your cash flow needs.
Some clients will choose to go through a process of establishing a Financial Plan, which reflects your current financial picture and a look to your future goals. You will be taken through a process of establishing your goals and values around money, a plan will be built and analyzed, and then we will review with you the findings, analysis, and potential changes to your current situation. We are always available to answer a variety of personal finance questions to make sure you're on the right track.
We will work together to select the specific areas for the Financial Plan to cover. These areas may include, but are not limited to, the following:
- Cash Flow and Debt Management
- College Savings
- Employee Benefits Optimization
- Financial Goals
- Investment Analysis
- Retirement Planning
- Risk Management
- Tax Planning Strategies
We also provide General Consulting which involves one-time or as-needed evaluation of your current and future financial state to address substantial questions about investment or financial planning topics such as those listed above. You will receive a written report, providing you with recommendations designed to achieve your stated financial objectives.