There are generally two ways we work with our clients but both follow the same basic process.

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The two ways we define the scope of the relationship with our clients is as follows:

1. Investment Advisory Services:

The steps of the investment advisory process begin with a series of meetings with our advisory team to gather detailed information about you and your investments. The team may contact you between meetings to clarify data and other information. We will provide you with a list of documents and financial records that we will need. As part of the data-gathering process, the advisory team will interview you to clarify your goals and information, will inform you about our investment philosophy and ascertain your tolerance for risk. After a process of analysis is completed we will establish a written Investment Policy Statement (IPS) that outlines the parameters of asset classes and investments permitted based on your risk tolerance, manage expectations of long term outcomes based on historical returns of similar portfolios & benchmarks, short term and long term income requirements, and will define the frequency of review periods and rebalancing.

2. Wealth Management Services:

Wealth Management Services are a much broader and comprehensive approach that includes all of the above services included with an Investment Advisory Relationship but incorporates financial planning in much greater detail and may include such areas as:

  • Cash flow and financial position analysis, which summarizes and assesses your income and expenses, key budgeting issues, and your cash reserves for emergencies or future opportunities.
  • Funding specific accumulation goals, such as educating children or grandchildren, purchasing a vacation home or accumulating a targeted amount for some other purpose, through the development of an appropriate investment strategy based on your specific time frames and risk tolerance.
  • Income tax planning, including the identification of appropriate tax savings strategies that may be available in your situation
  • Retirement planning focused on evaluating needs and developing strategies for both the accumulation and distribution phases of life.
  • Risk management, which involves identifying potential risks, such as loss of health, property, income, or life; and developing appropriate strategies for protecting against these risks.
  • Estate planning & wealth preservation including the development of estate organization and distributions strategies that seek to assure that your wealth is preserved and passed as efficiently and effectively to the people or organizations you want, at the time you want, and in the manner you want.

We typically work with clients with investible assets in excess of $750,000.