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Philosophy

Process:

Step One

Step Two

Step Three

Step Four

Step Five

Step Six

Management

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Investment Products:

Not FDIC Insured
No Bank Guaranty
May Lose Value

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Investment Approach—Process

Step One—Understand the client

The most important step in creating successful investment programs for our clients is gaining a clear understanding of what they hope to accomplish and their feelings related to investing. Critical information that is gathered includes:

  • Objectives and Goals—What do they hope to accomplish with these assets?
  • Time horizon—How long do they anticipate the assets will be available to invest?
  • Willingness to Accept Risk—Are they willing to commit to a long-term investment program and stick with the program during periods of declining market value. How large a decline in value do they believe they can tolerate before selling and making temporary gains permanent?
  • Ability to Accept Risk—Do they have sufficient financial resources to withstand periodic declines in the value of their investments?
  • Tax Considerations—What is their marginal tax bracket, do they have any loss carryovers, do they want to minimize portfolio income (for example to qualify for Roth IRA contributions), do they prefer to minimize taxes even if it results in lower potential returns?
  • Income Requirements—How much do you plan to draw from the account?
  • Additional assets held outside the account such as company retirement plans, assets managed by other advisors, ownership of company stock, rental properties and large home equity value. Other assets often will influence the appropriate investment strategy.
  • Receipt of a large lump sum payment expected in the near future
  • Large recent losses that could impact their willingness to accept risk
  • Estate planning considerations
  • Charitable giving plans
  • There could be any number of other unique factors about clients’ situations that could impact their risk tolerance

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