Putting your wealth to work for you
Over the course of your life, your goals may include funding college for your children and grandchildren, owning a home or vacation home, gaining financial independence, preparing for a quality retirement, giving back, and ultimately, leaving a legacy for your heirs.
Pursuing all of these important endeavors begins with having a plan – in this case, a well-reasoned wealth management plan optimized to fit your life. Here is how we’ll go about building it.
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Our first step in constructing a wealth management plan suited to your life is to understand what you hope to accomplish and to identify important factors such as your investment time frame and risk tolerance. Knowing these will then enable us to select the most appropriate investments. Our goal is not to take any more risk than necessary in pursuing your financial objectives.
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Once we have a clear understanding of your goals, risk tolerance and time frame, we will create an Investment Policy Statement and asset allocation plan. By allocating your assets to a diverse variety of sectors and investments, we strive to increase the likelihood of generating a more consistent, positive return over the long term. An Investment Policy Statement serves as the foundation for how your investment program is expected to operate, providing clear risk and return objectives, performance evaluation standards, and any constraints we must consider.
Asset allocation does not ensure a profit nor protect against loss.
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Once we have laid the groundwork, we are prepared to select quality investments that fit the appropriate asset allocation and pass our due diligence. We begin by identifying the investment model that fits your individual situation and then consider modifications to further tailor it. When selecting investments, we will take into consideration tax consequences, real estate or business holdings you may have, deferred compensation, and concentrated amounts of company stock or stock options.
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Once your investments are in place, we will continue to manage and monitor your portfolio to ensure that it remains aligned with your financial objectives over the long term. We’ll meet with you on a regular basis to learn about any changes in your personal life and to discuss any investment revisions we recommend for moving forward.
