1. Financial Planning
Planning drives our entire Investment Process. To fully understand the specific needs of each client, we begin each relationship with a thorough Financial Plan. Often the hopes, fears and dreams we learn about our clients in developing the Plan and what they uncover in themselves, becomes as invaluable as the Plan itself. This Plan then becomes the backbone for developing an appropriate portfolio, an acceptable risk / return profile and an overall blueprint for making future financial decisions. All aspects of the client’s financial situation are considered, including titling of assets, tax planning, insurance coverage, charitable gifting, and wealth transfer to successive generations. The plan is clearly communicated, flexible, and updated periodically, in order to strategize the portfolio’s evolving goals of accumulation, income, and distributions.