1. Comprehensive Assessment
We start by building a complete financial picture—analyzing assets, debt, tax circumstances, cash flows and potential risks. We use a balance sheet-driven approach to provide a basis for financial decisions and strategies. This assessment is not to satisfy “suitability requirements” from regulators. This is to produce a clear and aligned understanding for our clients and for our firm as effective advisors.
2. Plan Development
With your specific objectives in mind, we develop investment plans for your taxable and tax deferred portfolios. Considering factors like concentrated stock positions, SEC restrictions, existing private investments, tax considerations, and client investment preferences, we structure plans for investment. Our Investment Policy Statements document this discipline and are revised as circumstances change.
3. Plan Implementation
Our investment process employs methods that are successfully used for endowments and institutional investors. We rely on broad diversification and a deep understanding of the debt and equity markets. We have extensive risk management experience for individual and institutional portfolios.
4. Consultative Communication & Reporting
We believe in proactive communication, providing detailed, AIMR-compliant reports that go beyond standard brokerage statements. Our client portal is tailored to your preferences with reporting that includes performance, transaction, cash flow, and tax details as needed, creating a continuous feedback loop. Our communication is not limited to quarterly meetings and our regular interaction with our clients is our strength. This communication is encouraged. We are typically the first call our clients make in advance of those to banking, tax, or legal professionals.