Define

Define your needs and objectives.

Determine your current investment mix.

Define our skills and capabilities.

Evaluate

How does the current investment mix meet your objectives?

What is the relationship of return relative to the risk present in your portfolio?

Does your portfolio properly address risk tolerances?

Is security overlap contributing to a lack of diversification?*

Could your objectives and needs be met better with less risk?

Propose

Present the results of your current holding analysis and evaluation.

Present recommendations and proposals that will better reflect your objectives and risk tolerance.

Present a transition plan on how to proceed.

Develop and have you sign an investment policy statement that recaps the objectives and risk evaluations.

Monitor & Manage

Communicate with you on a regular basis, in  order to maintain a clear understanding of your needs.

Manage your assets in keeping with stated objectives and risk tolerance.

Adjust the portfolio as dictated by either changed objectives or market dynamics.

Measure results of investments to stated benchmarks.

Meet with you one on one at least annually.

*Diversification does not ensure a profit or protect against a loss.