Understanding You

We begin by developing an understanding of your investment goals and objectives. We have to clearly see your vision for your future, and then put that into an investment strategy. Together, we consider the factors that can affect the success of the plan; your tolerance for risk, your time frame for this investment and your unique circumstances. The information that we gather, combined with your investment preferences, becomes your personal investment profile.

Allocating Your Assets

Asset allocation is a systematic approach to balancing risk and return in a portfolio. Its goal is to deliver the most return for a given level of risk, and it requires that investors be realistic about return expectations and their comfort with market ups and downs.

An asset allocation plan should be a long term strategy based on risk and return results over long periods of time. Since the asset allocation decision is such a critical one, we will be sure to spend the time and ask the questions that will determine the right blend of assets for your portfolio. Please understand that asset allocation does not assure a profit or protect against a loss.

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Implementing Your Portfolio Strategy

Important considerations for structuring your portfolio include:
Your investment goals and preferences
Your desired level of involvement
Your available investable assets
Your existing portfolio composition

Once your asset allocation is determined, we will make recommendations from a wide range of investment alternatives like mutual funds, managed accounts and exchange traded funds*. Smart selection and blending of the appropriate investments can help deliver consistent and sustainable performance, enhancing your opportunity to build and protect wealth.

*Investment value will fluctuate, and securities, when redeemed, may be worth more or less than the original cost.

Tracking Your Progress

Your portfolio is monitored to ensure that it remains appropriate for your needs and in-line with our expectations. Regular reviews provide an opportunity to compare your portfolio’s performance to your stated objectives and to address life events that may alter your goals. Periodic rebalancing helps ensure that your investment plan stays on course.

While we recommend that we meet at least annually for a portfolio review, many clients choose to meet throughout the year when special circumstances arise. As always, you determine the level of service that best suits your needs.

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