Investment

In order to help you achieve your financial objectives, our financial professionals employ a five step consulting process.

1. In step one, our financial professionals assess the intended purpose and expected return of your current portfolio.

  • We evaluate your current situation and future needs.
  • We also determine how assets are allocated, the current costs of the investments and the portfolio's historical performance.

2. In step two, we help you determine an asset allocation strategy that is appropriate for your portfolio.

  • Our financial professionals believe the most important element in a well-diversified portfolio is asset mix2. In other words, how much should you have in stocks versus bonds, domestic versus international and growth versus value?
  • We present alternative asset allocation² models that illustrate the tradeoffs between risk and return.
  • We help you determine the appropriate asset mix for you based on your desired rate of return and risk tolerance level.

3. In step three, we design an investment strategy to help meet your distinct needs.

  • Our financial professionals strive to employ low cost institutional money managers with high risk-adjusted performance.
  • They coordinate custodial services.

4. In step four, our financial professionals develop an investment policy statement.

  • This document will include the specific purpose of the policy, a review of the objectives for the investment program and specific asset allocation guidelines.
  • Employee Retirement Income Securities Act (ERISA) requires fiduciaries of qualified retirement plans to create a written policy. Our professionals are fiduciaries and we provide written policies on our qualified retirement plans.

5. In step five, our financial professionals monitor and evaluate your investment results.

  • They provide monthly financial statements and quarterly performance reports.
  • They evaluate money managers to help ensure they are meeting or exceeding expectations.
  • They rebalance the portfolio to the asset allocation guidelines formalized in the investment policy statement.

2Diversification and asset allocation do not protect against the loss of principal due to market fluctuations.  They are methods used to help manage investment risk.