The key to this approach is a process that enables me to more clearly identify investment goals and objectives, determine risk tolerance, both financial tolerance and emotional tolerance and structure a suitable portfolio.
Investment Objectives: During our initial discussion we will spend time discussing your short and long-term financial goals and objectives. Understanding the role that your investments play in your current and future cash flow, and where you are in the 'accumulation-income generation-preservation-distribution' cycle is essential to matching your investment goals to your investment portfolio.
Risk Profile. Using a model risk analysis profile questionnaire we will have a discussion regarding risk-reward, time horizon for investments and return expectations.
Asset Allocation. The results of the risk analysis model will provide information that I will use to develop a suitable investment portfolio. A portfolio comprised of investment asset categories that will provide you with an investment portfolio designed to help you achieve your investment goals and objectives.
Portfolio Design. Whether your portfolio is being designed for long term capital appreciation or the generation of income, selecting the investments to build your portfolio is an important step in developing a suitable investment strategy. There are a number of alternatives that will be discussed and explored as a part of this process, and I will help you to determine which is suitable for your needs. Mutual Funds, Managed Accounts, Wrap Accounts, Individual Securities, Bank Products, Annuities, Insurance Products may all have a place in your portfolio. It is at this step in the process that we focus on which is suitable for your specific needs.
Portfolio Review and Reporting. Performance of the investment portfolio relative to your stated objectives and the investment marketplace and the broad economy helps you to keep your investment portfolio and decisions in perspective. We establish a timeframe to meet and discuss whether you are on track and making strides to achieve your investment objectives.
This investment planning and management process is used to help you keep your future financial goals and investment objectives in focus and establish a clear set of milestones that you can use to track your progress as you pursue your financial goals and objectives.