How we go about building your plan

“The aim of art is to represent not the outward appearance of things, but their inward significance.”
– Aristotle

Nothing we do is “off the shelf” and no two clients receive the same investment plan. Each client we serve deserves a personalized investment plan focused on specific needs and goals. So what is involved at arriving at such customization? Let us walk you through the steps.


1. Understand

We begin with a discussion – to gain a thorough understanding of your life as much as your goals, your current financial situation, investment experience and risk tolerance. We’ll also make sure you are aware of our capabilities and explain the service we offer that can help you meet your objectives.

2. Design

We analyze the information you’ve shared with us and customize a plan accordingly. This includes developing a written investment policy with a target allocation guided by your risk and return needs and expectations in order to provide a good lens through which to make investment decisions. Once that is completed, we present our recommendations, answer your questions and outline the steps we need to take to implement your plan.

3. Implement

With your approval, we execute your customized plan. This involves the selection of specific account types, investment products and optional services. As needed, and with your permission, we also will collaborate with your tax advisor to help us make tax-sensitive investment recommendations and work with your legal advisor on estate planning and charitable giving matters. To help simplify your financial life, we will also manage all paperwork and administrative tasks, and address cash flow management, trust distribution requirements and required minimum distributions from retirement accounts.

4. Manage & Monitor

We continually monitor the progress of your plan relative to your objectives, modify the target allocation as needed and provide ongoing reporting of your account activity. We can coordinate your investments among all assets and accounts, even accounts that may not be with us and provide ongoing third-party due diligence on all investments, investment managers, insurance companies and other service providers. We’ll also review any changes in your personal life that might necessitate modifying your plan.