Investment Planning

Our approach to investment planning relies on core principles developed and tested since the inception of our firm. These principles are:

• Asset allocation provides the foundation to managing portfolio risk and return potential;
• Tax efficiency and asset location are critical;
• Portfolio expenses must be scrutinized;
• No single money management firm can be all things to all people; and
• Our most important role is to be an objective advocate. Our goal is to control costs, be tax efficient and manage risk. This provides an effective way of helping achieve your financial goals.

We leverage the power of technology to drive our disciplined five-step investment process:

• Step 1 - Advice and planning
• Step 2 - Portfolio modeling, analysis and design
• Step 3 - Investment policy statement (IPS) development planning

Implementation takes the IPS one step further by clearly defining the specific investments to be included in the portfolio and proposing how, when and where they should be incorporated. Our investment management platform offers:

• Step 4 - Implementation, manager search and selection
• Step 5 - Ongoing monitoring, due diligence and reporting

Diversification

A diversified investment planning strategy will not eliminate risk or guarantee success. But it does offer an approach to help protect your assets, reduce risk and potentially grow assets over time.

You've heard the old investment adage, "Don't put all your eggs in one basket." It's good advice. A diversified portfolio should be at the core of any well-planned investment strategy. While a worthy goal at any age, it's especially desirable as your net worth grows over the years. The basic purpose of diversification is to reduce risk and volatility. It's primarily a defensive type of investment policy. Depending on your investment goals and tolerance for risk, your strategy may emphasize one type of investment over another. But overall, your investment plan should be diversified. That's because no single type of investment performs best under all economic conditions.

A diversified program is capable of weathering varying economic cycles and improving the trade-off between risk and return. Of course, diversification cannot entirely eliminate the risk of investment losses. Diversification offers returns which are not directly related over time and is intended for the structure of a whole portfolio to help reduce the risk inherent in a particular security.