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What is an Investment Advisor?
An Investment Advisor is
an individual or firm that assists in the development and
implementation of a financial or investment plan.
There are many reasons
for utilizing a professional firm to assist you in
managing your investments or retirement funds. Over the
years we have found that the reasons our clients have
utilized our services include:
Potential Personal
Risk: Experience and skill should be foundation for
managing the funds an individual will rely on for their
future security. Our clients look to us for assistance
rather than risk their future on their own endeavors
alone.
Lack Of Personal
Time: Properly managing an investment program takes
time and experience that most people do not have or do
not wish to commit.
Lack Of Information:
Although the Internet and Financial programs like CNBC
have made information about companies much more
available, the real information upon which investment
decisions should be based must still be obtained through
direct contact with companies, extensive research, and
skilled analysis. Once news about a company has reached
CNBC or the Internet it is usually old news among
experienced investment analysts.
Proven Track Record:
We find that many or our clients select our services
because of our performance record over time. Although
past history is no guarantee of future returns, joining
an established, proven investment program adds a degree
of confidence going forward.
Personal Financial
Services: Since we maintain a close, personal
relationship with our clients, we are often asked for
advice on a broad range of financial matters. We can
help a client in the overall coordination of their
retirement and investment planning and management.
Leveraging Upon
Expertise: Our organization and our research
department, includes extensive experience and expertise
built upon a variety of business backgrounds and
disciplines. In effect, our clients are leveraging their
investing efforts on our overall skill and experience by
entrusting us with the management of their investments.
Step 1: Determine Your
Risk Profile - Through personal consultations with
you, we will develop a personal profile of your individual
investment needs and objectives, time horizon, and
attitude toward investing. If needed, we will also conduct
a full financial plan, including retirement analysis, tax
planning, estate planning, and much more.
Step 2: Develop Your
Asset Allocation Policy - We will develop a
personalized asset allocation policy based on the needs
and objectives identified in your personal profile. This
policy will be designed to maximize your investment
returns, relative to your risk tolerance, through careful,
diversified allocation of your investments.
Step 3: Implement Your
Policy - Your asset allocation policy will be
implemented by investing in a well-diversified portfolio
that spans multiple asset classes and investment styles.
Assets within your portfolio will be managed by some of
the country's preeminent money management firms, many of
which are not accessible to individual investors.
Step 4: Monitor and
Rebalance Your Portfolio - Your investment portfolio
will be carefully monitored on an ongoing basis to ensure
that it remains consistent with your agreed-upon asset
allocation policy. If the relative value of investments in
your portfolio changes enough to become inconsistent with
this policy, we will reallocate funds within your
portfolio as needed.
Step 5: Report the
Results - We will communicate with you on a regular
basis and provide a comprehensive reporting package, such
as account level performance reports and statements
providing details of your account - including total asset
value and a record of all transactions that occurred
during the reporting period.
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