Charts and documents

Examine Current Investable Assets
  • Assets with other investment firms
  • Deferred Accounts: 401(k) plans, IRAs, and pensions
Determine asset allocation of all holdings
  • Equities
  • Fixed Income
  • Cash
  • Alternative Investments
Perform Needs Analysis
  • Current situation, goals, and family dynamics
  • Risk tolerance
  • Time horizon
  • Income needs
  • Tax considerations
  • Liquidity needs
  • Communication preference
Conduct a thorough discussion around our investment approaches

Lifetime capital portfolio

  • Used to support the clients' needs during their lifetime
  • Incorporates tactical asset allocation approach

Surplus wealth portfolio

  • Used to pass wealth to heirs/charity
  • Incorporates strategic asset allocation
Identify other assets (real estate, closely held business, etc.)
  • Current market value
  • Amount of income produced
  • Impact on overall asset allocation
Make recommendations and develop action plan
  • Portfolio conversations
  • Account-specific rules
  • Deferred accounts: 401(k) plans, IRAs, and pensions

Asset allocation does not ensure a profit or protect against loss.