Markets are influenced by world events that seem to turn on a dime. This makes it necessary to quickly – and sometimes frequently – realign investments in order to attempt to take advantage of positive changes when they occur, and seek shelter when events are less than favorable.
An increase in investment management activity also increases demand on your valuable time. This is due to the need for you to answer more frequent investment-related calls, the scheduling of face-to-face meetings, and the necessity to review lengthy paperwork and sign all the required documentation.
That is why we are pleased to offer our Discretionary Advisor Service. By using this service, you'll not only enable us to respond in a more timely and urgent manner to changing research, market conditions and world events, you'll also help free yourself from the calls, paperwork and disruptions of investment decisions.
Through our Discretionary Advisory Service, we assume the responsibility for making day-to-day investment decisions on your behalf. Because of our increased involvement in making these important decisions for you, we follow a rigorous, detailed planning process to make sure we have a complete picture of your financial goals and objectives and fully understand your individual preferences for the way your money is to be invested.
Define We begin by meeting with you to determine your financial goals and objectives.
Risk Assessment Your comfort and confidence are of paramount importance. So a complete risk assessment questionnaire is completed to help determine your risk tolerance.
Evaluate We will determine the appropriate investment model to meet your objectives and risk tolerance.
An Investment Policy Statement is created outlining the parameters of how we will directly manage your portfolio on your behalf.
The Investment Policy Statement helps you and your Investment Advisor construct, monitor, and evaluate your investments. It describes how investment decisions relate to your goals and objectives and sets investment constraints.
Your plan will be put into action according to the chosen investment model.
With frequency and diligence, our team will monitor research, market conditions and world events to determine necessary changes to investment models.
Our Ambassador Account is an exclusive offering for our Discretionary Advisor Service clients. With funds from this account, we can trade stocks, bonds, eligible mutual funds and more. But there are no commissions on trades and no transaction charges. You are simply charged an annual asset-based fee that's paid quarterly.
You'll receive all the reports necessary to ensure you're always "in the know" regarding trades we make and activities we undertake.
In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part II as well as the client agreement.
Investing involves risks including the possible loss of capital. Alternative investment strategies involve greater risks and are only appropriate for the most sophisticated, knowledgeable and wealthiest of investors.
Through careful selection, as well as ongoing monitoring, we can assist you in determining the right combination of alternative investments to complement your portfolio.
