After our intake interview process, we create a mind map and a road map for our clients. These two critical pieces give us the information we need to help our clients plan their financial future. Not only do we have a plan that we have created together, but we also have a timeline for accomplishing the necessary tasks to implement that plan.

After a thorough review of their current and future assets and liabilities, we formulate our client’s personal asset allocation strategy. We seek to minimize risk and help clients reach their financial objectives, and we work with them to understand their risk tolerance.

We use two approaches to review our clients’ progress in reaching their goals. First, through our asset liability matching planning approach, we evaluate the client’s estimated budget versus their actual expenditures. This is a critical determinate in setting their strategic asset allocation strategy. Second, we monitor the individual parts of the collective portfolio, comparing the client’s results to their personal and collective benchmarks. This is important as our objective is to deliver alpha, defined as excess return over the benchmark, to the client.

Our network of wholesale providers is employed to implement the strategic asset allocation strategy for our clients. We have high standards and select both active and passive managers that fit our value and objectives. When building portfolios, we select products based on careful consideration of the lowest cost versus alpha.