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