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Our Process

Independence is our greatest advantage. Not tied to one provider or proprietary products, we are free to provide personalized assistance, without concern for offering specific products. We are free to design the most suitable investment program using an array of investment offerings. We are permanently vested in our relationships and work to sustain your trust.

Step 1 - Establishing Investment Goals and Objectives

Investment Objectives: During our initial discussion we will spend time discussing your short and long-term financial goals and objectives. Understanding the role that your investments play in your current and future cash flow, and where you are in the 'accumulation-income generation-preservation-distribution' cycle is essential to matching your investment goals to your investment portfolio.

Step 2 - Determining Risk Tolerance and Appropriate Asset Allocation

Risk Profile. Using a model risk analysis profile questionnaire, we will have a discussion regarding risk-reward, time horizon for investments and return expectations.

Asset Allocation. The results of the risk analysis model will provide information that I will use to develop a suitable investment portfolio. A portfolio comprised of investment asset categories that will provide you with an investment portfolio designed to help you pursue your investment goals and objectives.

Step 3 - Creating the Investment Portfolio

Portfolio Design. Whether your portfolio is being designed for long term capital appreciation or the generation of income, selecting the investments to build your portfolio is an important step in developing a suitable investment strategy. There are a number of alternatives that will be discussed and explored as a part of this process, and I will help you to determine which is suitable for your needs. Mutual Funds, Managed Accounts, Wrap Accounts, Individual Securities, Annuities, Insurance Products may all have a place in your portfolio. It is at this step in the process that we focus on which is suitable for your specific needs.

Step 4 - Ongoing plan review of financial plan...

Implementing your financial plan is only part of the process. You must constantly review your current plan to fit any changes or circumstances that may arise. Whether you are dealing with income changes, investment outcomes, personal or family changes, or reduced tolerance for risk, we can adjust your financial plan. Your relationship with us does not end once a plan is implemented. We will be with you when changes occur because we understand life happens.

This step is, without a doubt, the most important step in the process. It's only in the review process that we have the opportunity not only to fine tune your asset allocation, but to adjust your plan as life circumstances change, to incorporate newly found assets into your plan, or simply to put you at ease. The importance of knowing just where you stand cannot be overemphasized! Avoiding surprises can help keep you on course to financial independence.

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