Every client is their own unique individual. So we take the time to establish an understanding of your most important priorities, the values that inspire you, and what you want to accomplish with your assets. By translating our in-depth knowledge of the global markets and your wealth-life goals into first-rate investment portfolios, we build lasting relationships with our clients.
Our Investment Process
The key to any successful investment process is a consistent, disciplined approach. The process we use for each of our wealth management clients includes the following five steps:
Risk Profile/Investment Strategy | First, we'll have a conversation about your financial goals, cash flow needs, taxes, and determine your tolerance for risk. Next, we'll formulate an investment policy and strategy that reflects our market forecasts and your profile. This document will serve as a blueprint for constructing your portfolio and it will detail the strategic asset allocation.
Strategic Asset Allocation | Diversification of asset classes and strategies offers an effective method for improving risk/return dynamics. We use a low-cost and tax-efficient index approach for core strategic asset classes and use active fund managers in inefficient markets or niche situations.
Tactical Asset Allocation | An opportunistic approach that’s guided by our top-down view of the economy and market trends. The tactical tilt of the portfolio represent our "best ideas" and works as a complement to the core strategic asset allocation.
Portfolio Construction| We manage the implementation process to minimize taxes and trading costs. We employ index strategies for core strategic asset classes which reduces expenses, trading costs, and taxes. We also work to enhance your net return through tax-minimization: Appropriate asset location and opportunistic tax-loss harvesting.
Performance Montoring | A critical part of the investment process involves ongoing portfolio monitoring and risk management. In its simplest form, this means that each portfolio should generally be within the asset allocation guidelines determined by your investment policy statement. Disciplined rebalancing to your original strategic allocations helps keep your portfolio on track — creating a systematic process aimed at selling high and buying low. We provide clear and comprehensive quarterly performance reports.