A GLOBAL PERSPECTIGVE. A PERSONAL APPROACH.
The investment philosophy statement, or IPS, delves into substantially more detail on our investing approach and our strategic portfolio management process.
The investment plan process begins during the Discovery Meeting with a discussion of your financial values and goals, as well as your key relationships, existing assets, other professional advisors, preferred process, and important interests.
Taking into account the long-term nature of successful investing, we set objectives for your portfolio that are appropriate for your willingness, ability and need to take risk, and the investment horizon(s) you identify.
Because it is so important, asset allocation is the first investment decision. During this process, we decide how much of your portfolio to invest in each of the different investment types, or asset classes, including stocks, bonds and short-term investments, both domestic and foreign.
With an asset allocation in place, we now select the investment vehicles that you will use to implement your portfolio strategy. Two key investing principles guide these decisions: the importance of diversification and the value of remaining invested.
Building on the first four steps, we construct a portfolio suited to your needs, goals, and risk attitude.
The result of this process is a diagnostic report of your current situation with our recommendations for repositioning your portfolio with the intention of maximizing your probability for success. In addition to the above considerations, these recommendations take into account portfolio costs as well as the potential tax impact of the restructuring.
Clearly articulating your critical factors and your recommendations for achieving your financial goals in an investment plan and an investment policy statement has several important benefits:
It helps provide long-term discipline to your investment decision-making. A well-conceived plan helps assure that rational analysis is the basis for your investment decisions, making you less likely to act on emotional responses to short-term or one-time events.
It encourages your effective communication. Because it clarifies both the issues that are most important to you and the investment approach and strategy that will be used, it minimizes any misunderstandings that may arise.
It allows both client and advisor to accurately review your critical factors as they may change over time. Such evaluations may indicate that corresponding changes to your investment plan are called for.
We offer a complimentary "Get Acquainted" meeting to learn about your goals and see if our services are right for you. Come in for a cup of coffee and a second opinion – both are free.
Talk to An Advisor