The personal relationship that we develop with each of our clients starts with an initial meeting to identify your investment objectives and risk tolerance levels. We review our philosophy and investment approach with you so that you fully understand our portfolio management approach. You will complete a risk tolerance questionnaire that will become the basis for discussing the allocation of various asset classes within your portfolio.
Over the course of the next few meetings, the content and breadth of each meeting is defined by your personal needs. We can review your estate planning and risk management needs; discuss retirement accumulation or distribution planning; evaluate educational funding needs; review your tax situation; and go over any other items we identify in the initial meeting as being critical to your financial success. If you own a closely held business, we may also discuss business succession planning strategies. We may run a financial projection to evaluate the feasibility of attaining your goals. When appropriate we may also, with your permission, consult your other advisors including attorneys and CPAs.
Once you select an allocation, we put together an implementation plan that will coordinate investment of your portfolio between qualified (tax-advantaged) assets and nonqualified assets in order to maximize tax efficiency. Doing so can substantially increase the after-tax growth of your portfolio. Depending on the size of your portfolio and your preference, we may also dollar-cost-average your assets into the market over a period of up to six months. The topics we address during our time with you vary depending on your unique needs and situation. The reason our clients hire us is because we have the experience to know what questions to ask and what actions need to be taken next.
Your assets are held at a reputable third-party custodian that furnishes independent monthly reports so you can feel confident about the safe handling of your money. Our strategy includes enhanced rebalancing of your portfolio to make sure you do not veer too far from the initial allocation we have agreed on. This ensures that your portfolio risk is consistent with your risk tolerance and financial goals.