Investment Process
Determine Client Needs
Talking with client before selecting asset allocation.
Determining risk tolerance of investor.
Assessing cash needs and portfolio’s objective.
Not taking any more risk than is needed to meet client objectives.
Portfolio Construction
(STEP TWO)
If one of the seven templates does not fit the client’s needs, we can develop a custom solution that will.
Our investment tools include: Individual large-cap equities; Passive and active no-load mutual funds; “A” rated or higher, shorter term bonds; and Government debt, CD’s, and money market funds.
Our research process includes both quantitative and qualitative approaches, leveraging the information obtained from resources like Bloomberg, Zacks and Morningstar.
Seven different risk category templates are used for the majority of our accounts.
Portfolio Monitoring
(STEP THREE)
We monitor accounts to ensure that they are invested according to their objectives.
We encourage our clients to meet at least annually.
We review client needs to determine if they have changes requiring a different objective for the portfolio.
We do not buy on margin or use leverage or derivatives in our investment process.
Focused diversification.
Rebalance as necessary.
All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment strategy will be successful.