We design and create investment portfolios tailored to meet each client's goals. We do this as part of our Wealth by DesignSMprocess.
It Starts With Planning
Our process starts with an in-depth discovery phase that allows us to understand our clients' personal and financial goals, as well as their ability to tolerate risk. It also lets us determine their income requirements, tax status, time horizon and other unique circumstances. Once we know this, we can specify the asset allocation targets, individual investment strategies and overall risk/return profile for each client. We review this information and a roadmap for putting the assets to work with each client as part of our Wealth by DesignSM process. Once a client has reviewed and approved the plan, we implement the recommended investment strategies.
Our industry has a habit of putting investors in neat little boxes out of convenience: 60% stocks and 40% bonds. Yet, each client's situation is more complicated and multi-faceted than that. We have a robust process and investment platform that allows us to do what we believe is more intelligent investing. For instance, we do tax-aware investing.
We manage portfolios consistent with each client's goals and do not let short-term volatility in financial markets drive changes in longer-term investment decisions. We understand, however, that circumstances can change and after-tax investment performance can be enhanced through a host of potential actions that we perform for clients routinely, including:
Rebalancing portfolios consistent with intended targets
Monitoring and investing extra cash
Meeting distribution requirements for tax-deferred accounts or trusts