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Our Process

We take an institutional approach to personal financial strategies:

Our philosophy is to suggest allocation strategies* and recommend appropriate products or services that are based on a clear understanding of your objectives and to help you to manage the risks associated with taxes, inflation, market fluctuations, loss of income and premature death.

Our goal is to help you to reach your goals. To that end, we use a needs-based, 4-step approach to financial problem solving:

1. INITIAL CONSULTATION:  Before we recommend any product or service, we first need to ask some questions about your present situation and get a clear understanding of your financial objectives and tolerance for risk.

2. PLAN DESIGN: Then, we analyze your existing plans to see if they will meet your current and future needs. We will prepare a written program with suggestions to fill in the gaps or to help you to reach your goals more efficiently.

3. IMPLEMENTATION: If our recommendations make sense to you, and at your request, we will help you to implement them using whatever financial products or services are necessary.   

4. ANNUAL REVIEW: Since your situation is bound to change, we will conduct annual reviews to monitor performance of your investment decisions to ensure that your program is always focused on the achievement of your financial goals. 

*Asset allocation does not guarantee a profit or protect against loss in a declining markets. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio or that diversification among asset classes will reduce risk.