| Step 1. Risk Tolerance Assessment |
We take two approaches to ensuring your investment agrees with your level of risk tolerance:
1) We apply a model that compares your time horizon for investing to your ability to endure volatility
and your overall financial objectives.
2) We modify our measurements by examining risk and reward scenarios with you.
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| Step 2. Diversification Analysis |
Considering your risk tolerance and objectives, we allocate investment funds over asset classes.
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| Step 3. Investment Model Development |
We design a model for you that indicates the appropriate investment mix within classes. What percentage of your total portfolio should be invested in tax-exempt and taxable fixed income securities; large, mid-size and small cap stocks: investments like real estate that combine yield with capital appreciation?
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| Step 4. Investment Policy Statement |
We crystallize your investment strategy in a policy statement that includes your objectives, risk tolerance and asset allocation. Your investment policy serves as a guideline for evaluating investments and directing investing over time.
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