We use information gathered
during the “Understand” step
to devise a strategy tailored
to your situation.
DESIGN
Determine appropriate asset allocation*
- We will recommend for your approval a mix of stocks, fixed income, cash, and – in some cases – alternative investments that matches your risk tolerance and that we believe affords you the best chance of meeting your goals
- Choose high quality investments within each asset class
- Ladder and diversify fixed income holdings; diversify stock investments; choose between individual holdings or funds
*Asset allocation and diversification do not ensure a profit or protect against a loss
Commit to plan for systematic investment (pre-retirement) or distribution (retirement), if needed
- Pre-retirement: If goals require periodic investments, set up logistics for adding money to the portfolio
- Retirement: Agree on income plan: frequency, amount, and placement
Clearly communicate cost of plan implementation
there is no cost for the consultation process up to this point
IMPLEMENT
- Sign your Investment Policy Statement
- Fund the portfolio by transferring in assets and/or depositing cash
Alternative Investments involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. These risks include but are not limited to: limited or no liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.