Asset Management

Managing investments is one of the most important and challenging aspects of securing your financial future and reaching your goals.  Our approach to asset management is to provide investment advisory services that highlight the complex tradeoffs each investor must make between risk, return, tax efficiency, time horizon, cash needs, and the personal circumstances that are specific to them.  We assist you in developing an investment strategy that will help you meet your investing goals while effectively managing your risks.

We begin the relationship with a thorough education process, during which time we familiarize you with the markets, outline investment alternatives, discuss asset allocation strategies, and review expected returns from different asset classes.  We develop a complete understanding of your risk tolerance and investment objectives, so that we can design an investment portfolio that will meet your specific needs.

Our asset management services include the following:

• Determination of your goals, objectives and time horizons
• Determination of your risk tolerance level
• Determination of current and future asset allocation needs
• Preparation of a written individual customized Investment Policy Statement
• Reallocation recommendations for current portfolios
• Recommendation of specific mutual funds, investment managers, and investment vehicles
• Provision of appropriate benchmarks to measure performance
• Implementation and execution of  investment strategies
• Ongoing monitoring and supervision of portfolio allocations and performance
• Portfolio re-balancing to maintain the proper allocation for each asset class in the model
• Quarterly performance reports outlining performance of the portfolio against established benchmarks
• Annual update meeting with you to review performance, your current financial situation, and investment objectives for the purpose of adjusting allocations, revising investment strategies, and updating the Investment Policy Statement as appropriate.

Investment advisory services may be implemented on a "limited discretionary" or "non-discretionary" basis.

Before we begin providing assset management services to you, we will ask you to sign an Investment Advisory Agreement, which will describe the services, fees, process, responsibilities, and the general conditions of the agreement.  Fees for investment advisory services are based on a sliding scale of assets under management and are billed in advance on a quarterly basis.