We adopt an Investment Policy Statement (IPS) for each client, which states the investment objectives and risk tolerance guidelines established within each client relationship. The process involves the following steps:
1. Gather Information
As much pertinent client information as possible is gathered to evaluate client situation, including, but not limited to, financial statements, lifestyle preferences, tax returns, and estate planning documents.
2. Develop an Investment Strategy
This entails creating a strategy that combines the client’s goals and objectives with current financial market and economic conditions. It also incorporates any restrictions and constraints that the client may have.
3. Implement the Strategy Created
This step involves putting the investment strategy to work and utilizing investment products that meet the client’s goals and constraint requirements.
4. Monitor and Update
Markets change with time, and so do the needs of each client. In consideration of this, it is important to monitor these changes as they occur and to rebalance the portfolio accordingly, to adjust for the changes that have occurred.
Our portfolio managers provide continuous monitoring and review of securities, mutual funds and ETFs, as well as sub-advisers. Risk management and asset allocations are also reviewed on an ongoing basis.
