Individual Planning

INDIVIDUAL PLANNING

I. PLAN DEVELOPMENT 

The initial consult is a no obligation, no cost discovery. Our first job is to hear your concerns. We will review a range of issues with you in order to understand your current financial state, risk tolerance, and goals. This communication informs how we will build your investment policy. We’ll explain our advice in plain english that relates directly to your needs. By mutual agreement we would then proceed to strategy development. If you desire, an additional benefit in our service philosophy is to work in concert with your team of professional advisers. Successful retirement planning requires careful consideration of various legal, tax, insurance, and estate planning issues. A well-orchestrated team effort can further save you money, secure your assets from undue risk, and ensure your estate is in order.

II. Strategy Development

The investment policy will prescribe an appropriate mix of assets to balance your income and/or return requirements against your risk tolerance and time horizon. We place strong emphasis on understanding your need for downside protection and manage this risk as prudently as practicable. Free lunches do not exist in financial markets, and we will explain to you the tradeoffs between risk and return in every asset mix. Tax advantaged strategies will be used where practicable.

Key Strategy Considerations

  • Asset Allocation (what asset mix will work best for your goals)
  • Asset Selection (quality is measured through intensive due diligence)
  • Asset Location (tax deferral opportunities are utilized when practicable)
  • Time Horizon (you may have several goals with different time horizons)
  • Personal, Planning, and Tax Issues
  • Portfolio Objectives
III. Strategy & Service Execution

Once a strategy is developed, it is important to exercise discipline in its execution. Accounts are rebalanced as needed to ensure asset class exposure is consistent with your stated ability and willingness to accept risk. Different stages in life may change how you think and feel about your money. If strategy changes or adjustments are needed, they will be driven by you during our ongoing dialogue as life events unfold. Custom reports are designed that are easy for you to track your investment results. Accounts are reviewed quarterly and, of course, you can call us at any time.

To learn more about our Business Owner Planning Process please click here.

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