We will be guided by the personalized Investment Policy Statement.
We will use a custom designed Asset Allocation, balancing return and risk.
We will create a globally diversified portfolio.
We will not try to time the markets.
We will use low to moderate cost, high quality, liquid investments.
We will principally use Index ETF’s because they are:
Very Low Cost
Offer a wide variety of asset classes
Administered by high quality organizations: Vanguard, BlackRock etc.
We will rebalance the Portfolio’s asset allocation as needed: up to 4 times annually.
Or as needed due to large changes in portfolio value or significant life changes, for example: Job loss, retirement etc
We will only purchase Investment Grade Fixed Income Securities unless noted in the Investment Policy Statement.
We will, as necessary, recommend tax management transactions (Tax Loss Harvesting) if it can lower taxes and if it fits with overall client needs.
THE IMPORTANCE OF A LONG TIME HORIZON
Investment Markets are inherently volatile, including both the Bond Market and the Stock Market. A long-term time horizon and a disciplined approach allows the investor to ride out the volatility and profit from the long-term growth of the US and World Economies.
THE INVESTMENT MANAGEMENT PREPARATION PROCESS
In-depth communication with the Client:
Goals and Objectives
Knowledge of market dynamics
Investment Discovery Questionnaire
Investment Policy Statement: Your Customized Investment Strategy
List of representative securities