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Getting Started

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Individuals & Families—Getting Started

The New Client Relationship Process

Introductions and Relationship Commitment

Our client relationships typically begin with personal meetings, during which we learn about your situation and provide you with information about our services. If there is agreement that our services can be beneficial, we establish an account relationship.

Development of an Investment Strategy

Together we will determine an appropriate investment strategy for your portfolio, including an asset allocation based on our understanding of your risk tolerance and long-term return requirements. We will re-evaluate the appropriateness of this strategy as your situation evolves.

Investment Policy Statement and Investment Management Agreement

We will prepare an Investment Policy Statement outlining the expectations and guidelines for the management of your portfolio and our understanding of your situation, and we will jointly execute an Investment Management Agreement—the legal document that defines our relationship.

Portfolio Transition Strategy

We will determine a process to transition your current holdings, while minimizing any tax ramifications. Our Client Services team will help consolidate your investment accounts, coordinate asset transfers, and monitor the asset-transfer process.

Portfolio Implementation and Ongoing Management

We will transition your assets to your new investment strategy as outlined in your Investment Policy Statement. Moving forward, we will monitor and adjust your portfolio as needed, based on our manager due diligence and tactical asset allocation decisions.

Portfolio Reporting and Reviews

We will provide you with reporting that shows your portfolio's holdings and performance versus its benchmark, and we will send you our client newsletter which discusses our market outlook and current thinking. We also suggest scheduling regular, face-to-face meetings with your Portfolio Manager, which will provide the opportunity to directly review your portfolio and situation and to address any questions you may have.

Wealth Management and Financial Planning Issues

Through our meetings and discussions we will gather information from you to better understand your specific needs and objectives. We will review general financial issues, such as your cash-flow needs, tax situation, insurance needs, charitable giving desires, estate plans and other considerations specific to your situation. Over the course of the account relationship, we will work with you and your other advisors to make sure that your financial life is in order and on track.