Assess the situation

·         What is there:  Stocks, bonds, real estate, IRA, 401K other assets

·         What are the client goals and expectations

·         Determine time horizon, tax situation, risk tolerance, cash flows

·         Evaluate portfolio, investment policy

Propose Plan

·         Investment policy

·         Asset Allocation

·         Review and Rebalance schedule

o    Portfolio - at least quarterly

o    Investment Policy - at least every five years or significant changes in circumstances

Implement Plan

·         Utilizing Exchange Traded Funds (ETFs) invest assets 

·         Review and rebalance per schedule

·         Measure and compare performance to benchmarks, goals and objectives

 

Our goal is to properly align asset allocation to client goals and objectives.

There are occasions the markets appear out of balance and not consistent with long-term valuations of assets.  On those some of those occasions, if our Chief Investment Officer believes that an opportunity exists he will tactically or strategically tilt the portfolio by over or under weighting the asset class out of balance.