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Portfolio Construction and
Management Services
Initially, we work with
clients to help them define their financial goals and
objectives. Then, with the aid of interviews, surveys and
questionnaires, we help the client determine their
individual tolerance to various investment risk
factors. Risk Capacity is generally linked to the
individual's past investment experience, investment knowledge,
time horizon, net worth, level of income and liquidity
needs. At this point, we formulate a written Investment Policy
Statement that defines and guides the construction of a
globally diversified portfolio aimed at providing the optimal level
of return commensurate with the level of investment risk
appropriate for that individual. Periodically the
portfolio is re-balanced to maintain its original asset allocation
and risk characteristics.
Retirement Income
Planning
For those clients already
retired or nearing retirement, we work to develop a sensible,
reliable income plan structured to address those key risks that can
adversely effect personal cash flow during retirement: longevity,
health care expenses, inflation, asset allocation and cash
withdrawal rates. Failure to develop an intelligent retirement
income plan can have devastating results. This area of
planning is very important.
Financial Planning
Services
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