What We Do

For individuals and families, our initial on-boarding process entails a thorough discussion of the client's financial and non-financial situation.  We focus on the details of "where have you been", "where are you now", and "where do you want to go from here".  While the circumstances around each client relationship are unique and varied, the on-boarding process and our continued stewardship are dictated by the following framework:

• At the outset of our relationship, we will spend time with you, asking questions, discussing your investment experience and financial circumstances as we begin to understand your unique goals and objectives.

• We will perform research and analysis as necessary to develop your investment plan, a financial outline based on financial circumstances and goals, as well as your risk tolerance level.  During initial meetings, it is helpful to have following documents:
  • Copy of most recent tax return
  • Copies of recent brokerage, retirement, annuity statements
  • Cost basis of taxable holdings
  • Pension and Social Security expectations
  • Company-sponsored retirement plans, deferred compensation arrangements, equity based compensation benefits, private firm ownership, etc.
  • Real estate and other holdings (along with any associated mortgages or debt)

• After gathering the paperwork to establish the appropriate brokerage accounts, we will:
  • Assign a portfolio team to you and begin planning our efforts to structure your portfolio according to the plans that we have discussed with you
  • Integrate your portfolio into our technology systems in order to perform detailed analysis and provide you with timely and accurate reporting and data.

• Once your information is in our system and your portfolio guidelines are in place, your portfolio team will work to ensure that your plan continues to be executed by performing a monthly detailed portfolio analysis as well as meeting any needs that arise along the way by:
  • Placing trades within your account(s) as part of our plan to phase you into the allocations that have been set for you portfolio
  • Placing trades to keep your investment allocations within tolerance as the result of changes in market valuations
  • Ensuring that the appropriate amount of cash is available within your portfolio to meet your cash needs
  • Making the appropriate adjustments within your portfolio as dictated by any changes in your circumstances, needs, or goals.