Click on the points below to see how we build financial plans and manage portfolios:

Aligning your financial plan to your goals

Your financial plan is not a single answer. It assesses where you are relative to your promises. Our planning process goes deep into the key issues that define your financial life and future. We identify and dimension your Levers of Control, the critical sensitivity factors that affect your plan outcome. We plan and replan. That’s how we create optionality in your plan before you need it.

• Getting to Know You

• Lifestyle objectives
• Educational funding
• Estate and charitable goals
• Human Capital Profile
• Ownership interests
• Liquid and illiquid assets
• Risk tolerance profile
• Tax status

• Initial Planning

• Lifetime savings
• Spending projections
• Nest egg requirements
• Capital spending
• Savings requirements
• Tax implications
• Monte Carlo simulation
• Scenario analysis

• Ongoing Plan Adjustment

• Progress against targets
• Achievable retirement dates
• Impact of life changes
• Career optionality

Building Your Custom Investment Portfolio

Managed Risk Allocation Process

We use a rigorous approach to develop your investment portfolio based on your specific financial plan objectives.

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  Our planning work determines your mix of objectives

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  These planning objectives are translated into risk and return targets

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  We analyze and manage your assets on an integrated basis to meet these targets

Managed Risk Allocation Approach

Our Managed Risk Asset Allocation approach uses seven asset classes based on their portfolio purpose and risk parameters.

• Growth Long-term enterprise expansion investment, e.g. established global companies providing appreciation and dividend returns
• Emerging Growth Higher risk investments, e.g. smaller companies, emerging markets, special situations
• Real Assets Provide inflation hedges, e.g. real estate, infrastructure MLPs, natural resources, commodities, inflation-protected bonds
• High Yield Income producing, lower quality securities, e.g., non-investment grade bonds, emerging market bonds, BDC, preferred stocks and hybrids
• Income Low to moderate volatility income producing strategies, e.g., government bonds, municipals, investment grade corporates
• Alternatives Strategies providing returns with low correlation to other components, e.g. non-traditional credit and equity strategies, arbitrage, absolute return
• Cash Money markets, CDs

Managing Your Assets

Your portfolio is continuously monitored and managed to meet your plan objectives and respond to market conditions. We also seek to minimize taxes in your investments through asset location in taxable and tax-sheltered accounts and tax loss harvesting.

Research

• Global markets valuations
• Economic growth trends and expectations
• Central bank behavior
• Interest rate environment
• Credit quality trends
• Inflation expectations

Investment Policy Position

• Assess valuations relative to business cycle and policy expectations
• Develop 12-24 interest rate environment viewpoint
• Discuss risks to market and current investment policy position

Key Decisions

• New asset and sub-asset class weightings
• Determine timing of policy adjustments

Manager / Fund Review

• Review sub-asset class manager/ETF analyses
• Review managers\' performance and portfolio characteristics
• Analyze correlations

Key Decisions

• Identify specific purchases and sales

Customize Client Implementation

• Review Client PIP
• Review current location of assets

Key Decisions

• Customize sales and purchases for client PIP and asset location optimization

Fees

The fee for our Wealth Management Service is an all-inclusive annual retainer based on assets under management. A standard schedule of fees is applied to assets under management that decreases as the size of an account increases. Please contact us for the specific fee percentages and asset level breakpoints.