Our Process

At the heart of our client relationships is a process that centers around six steps:

1. Assess your goals and circumstances. The investment plan process begins during the Discovery Meeting, which is a discussion of your financial values and goals, as well as your existing assets, advisors, processes and interests.
2. Set long-term investment objectives. Taking into account the long-term nature of successful investing, we set objectives for your portfolio that are appropriate for your attitude toward risk and investment horizon.
3. Plan your asset allocation. Because it is so important, asset allocation is the first investment decision. During this process, we decide how much of your portfolio to invest in each of the different investment types, or asset classes, including stock, bonds, and short-term investments.
4. Select your investment approach. With an asset allocation in place, we now select the investment vehicles that you will use to implement your portfolio strategy. Two key investing principles guide these decisions: the importance of diversification and the value of remaining invested.
5. Build your portfolio. Building on the first four steps, we construct a portfolio suited to your needs, goals, investment horizon and risk attitude. The building blocks being a portfolio of professionally managed investments.
6. Continuously monitor. Monitor every element of the process to ensure that we are providing an institutional quality program that works toward reaching your goals.

The result of this process is a diagnostic report of your current situation with our recommendations for repositioning your portfolio through which we attempt to maximize your probability for success. In addition to the above considerations, these recommendations take into account portfolio costs as well as the potential tax impact of the restructuring.

Douglas Adler
Senior Vice President, Investments

1400 Abbott Road
Suite 100
East Lansing, MI 48823
Phone: 517-332-4081
Fax: 517-336-0305
Toll-Free: 800-772-4303
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