Our Approach to Investing
- Start with a plan. Select a stock/bond allocation based on your goals and time horizon
- Have separate cash reserves
- Know your risk tolerance. Be prepared
- Asset allocation is a time tested strategy. Employ a broad range of asset classes
- Utilize high level money managers for individual stock selection
- Disregard market timing
- Make timely adjustment to portfolios
- Minimize investment costs
- Minimize taxes on investment gains
How We Monitor Your Investments
Monthly:
- Broad account monitoring
- Asset allocation reviews
- Account activity reports
Quarterly:
- Deep dive on performance tracking & asset allocation results versus global benchmarks
- Evaluating fund/money manager performance & strategy management
- Asset allocation reviews & drift reporting on each client
Semi-Annually/Annually:
- Due diligence on individual money managers and asset allocation strategies
- Overall product research to identify new products and services
- Account maintenance
- Asset allocation decisions in relation to changes in client goals
- Client may notify us of changes in their financial situation that may impact long term financial goals (i.e. large purchases, employment changes, early retirement etc.)
- Rebalancing, fund replacement, strategy revisions.
Ongoing:
- Stock Market and Economic Market Analysis
- Macro: Wellbeing overall economy
- Fundamental: Wellbeing of individual companies and relative valuation
- Technical: Identifying market patterns
- Style: Growth vs. Value, Bottom vs. Top Down, Qualitative vs. Quantitative