Our client relationships encompass:
> Understanding and quantifying your financial goals
> Investment management and consulting
> Ongoing communication
New Client Process:
Initial meeting (We call it the Yellow Pad meeting)
Your initial meeting is an interview where we can learn about you. We will examine your current situation and your most important goals. You can ask questions about our services, financial planning process and investment philosophy. This meeting allows both parties to jointly understand whether the relationship will be a good fit. There is no obligation for you to become a client nor is there a charge for this initial meeting.
At this meeting, if you wish, we can also discuss risk tolerance, income tax issues, personal preferences, and financial needs. The process of designing your investment portfolio begins with this conversation to help you clarify and define your investment goals, your short and long-term objectives, your time horizon and the level of risk you are comfortable taking. We draw on these insights to build a diversified portfolio to best pursue your financial objectives.
Investment Plan Meeting
At this meeting we will present our evaluation of your current situation and what investments we recommend to help you work toward your goals. This plan forms the foundation for our work together.
At this meeting you will sign documents to put your investment plan into motion. In addition, you will meet the other members of our firm who will work on your behalf.
60-Day Follow-Up Phone Call
To eliminate any misunderstandings and so that you understand what is happening with your money, we will call and review the activity in your account.
Investment Review Meeting
Conducted at least annually or when you request a meeting, the agenda includes:
> Review of current performance.
> Review of current allocation.
> Review of current investment objectives and potential adjustment of goals.
> Verify that investments align with your objectives.
> Additional items or topics you want to discuss.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect agaist market risk.