“Investors should practice diversification and avoid trying to time the stock market.”
— Ben Bernanke, 14th Chairman of the Federal Reserve

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Investment Management Process

Our approach to investment management is based on fundamentals that have become well established in the investment advisory field. We follow a process that allows us to approach managing your investments in a caring, responsible and intelligent manner.

Steps

Discovery

We start by getting to know you, your unique financial goals, and your experience as an investor. Our firm uses an objective, web-based assessment tool to understand your specific tolerance for investment risk. Additionally, we carefully consider your ability to withstand investment loss, weighing critical factors like your investment horizon, how close you are to retirement, and your portfolio size.

The Investment Policy Statement

Your portfolio management relationship with us will be summarized in an Investment Policy Statement. This document specifies your investing objectives, identifies your asset allocation model, establishes investment management procedures, and determines our communication practices. We will refer to it whenever we review your account.

Asset Allocation

Once we know your goals, your tolerance for risk, and your capacity to withstand loss, we build a portfolio most suitable for you. This step is called asset allocation and it involves carefully placing your investments in specific asset classes.

Your overall portfolio will be constructed to be tax-efficient. The building blocks of your portfolio are no load mutual funds (i.e. no commission paid to us) and exchange traded funds, because they provide exposure to all asset classes, achieve diversification and keep investment costs low.

Implementation

At this phase, Implementation of your Investment Policy Statement begins.

Monitor & Review

Once we have implemented your investment program, we will monitor portfolio’s performance. We will contact you regularly to keep you abreast of the markets in general and your account in particular. We will also invite you to meet with us periodically to review your account and to discuss other matters that are important to you.

Reporting

Throughout the year, you will receive monthly, quarterly and annual reports providing information on returns, risk and expenses in relation to your account. These statements clarify your progress toward reaching your long-term financial goals.