If you are seeking ongoing portfolio guidance within the context of an overall investment strategy, this program is for you. Given that this strategy can only be developed in light of your overall financial situation and life goals, the first step involved is to complete our Financial Planning or Retirement Planning program. With this foundation established, we then proceed to address your specific investment needs.
Approach
Our approach does not rely on short-term market timing efforts, but on long-term investment principles. Since research studies identify asset allocation as the key determinant of portfolio returns, the cornerstone of our work is development of a custom-tailored allocation strategy reflecting your risk tolerance, cash flow needs, tax status and time horizons.
Deliverables
Once that strategy is agreed to, we construct a diversified portfolio for you, one designed to enhance returns, control risks and minimize expenses. In light of the strong evidence that most mutual funds do not outperform their benchmark indices in the long run, our recommendations rely heavily on index and exchange traded funds; supplemented in some very specialized market sectors by no-load mutual funds with solid track records.
We review your portfolio on a quarterly and annually we sit down together to carefully assess performance. If initial allocations have shifted markedly due to variations in returns rebalancing may be recommended. We also use this meeting to examine any possible changes in strategy warranted by changes in personal circumstances or the overall financial environment.
As a rule, however, we believe in keeping changes to the minimum because, in our opinion, a disciplined, long-term strategy is far more likely to achieve favorable results than an approach relying upon frequent portfolio turnover.
Fees
Our fees are based on the amount of assets in the portfolio we are managing for you.