What you can expect
When meeting families for the first time, we like to start with a simple “How can we help?”
Our approach with clients
We employ a consistent and ongoing process to understand our clients' financial and life goals, ensure the plan to reach those goals continues to be appropriate, and the investment portfolio is best suited to help reach those goals. We do this by:
- Asking great questions
- Believing a financial plan is a verb
- Building portfolios with purpose
We then monitor progress, and make course corrections as needed, by repeating the same process.
Asking great questions
Imagine going to your doctor's office and telling the doctor your elbow hurts. They don't really ask you any questions, proceed to write you a prescription and send you on your way. I don't know about you, but I'm looking for a new doctor.
That's why everything we do begins with diagnosis, what we call discovery. To do this, we need to ask great questions, and enough of them, to uncover our clients' values and beliefs, goals and dreams, who and what are important to them. This is the foundation from which all our work together is built.
A financial plan is a verb
If there's one thing I know about a financial plan that's a year old, or collecting dust in your desk drawer.... it’s wrong. I don't know how, or by how much, but it doesn't reflect your current reality.
That's why we believe a financial plan is an ongoing process of understanding where you are today and where you want to go, so we can help guide you to get there. It's not the plan that's crucial, but the ongoing planning.
Building portfolios with purpose
Portfolio construction is the art and a science of selecting and overseeing a group of investments to deliver on an objective unique to each of our clients. We focus on three pillars when building portfolios:
- Asset allocation - This is the understanding that different types of assets do not move in concert, and some are more volatile than others. A mix of assets provides balance and protects against risk.
- Diversification - The only certainty in investing is that it is impossible to consistently predict winners and losers. We create portfolios that provide broad exposure across various asset classes, sectors of the economy, and geographical regions.
- Rebalancing - We have a process of returning a portfolio to its original target allocation at regular intervals when the movements of the markets force it out of kilter and cause it to drift.
