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Our Process

Finding the right solution for your personal or business needs requires us to pay special attention to the circumstances of your unique situation. This is why our Financial Services Representatives take a needs-based approach to our comprehensive financial planning strategy. Our four-step process of analyzing, recommending, implementing, and reviewing your strategy will help ensure that you get on course to achieving your goals, and remain on course as life unfolds.

  • Analyze. Before we recommend any product or service, we ask questions and get a clear understanding of your financial goals and objectives. We then analyze your portfolio to identify any gaps that may exist in your policies.

  • Recommend. We provide you with suggestions to fill in the gaps so you can choose the products best suited for your situation.

  • Implement. If you're satisfied with our recommendations, we work with you to implement your strategies and secure the required products and services to help ensure your financial freedom.

  • Review. Because your financial situation is bound to change, we work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.

Our Financial Services Representatives can help you with many of your financial needs. It is important to note that Financial Services Representatives are only able to provide certain services if they are licensed to do so in your state.

CRN201903-208966

Our five step approach to your comprehensive financial strategy is designed with the goal of helping you achieve your dreams.

  • Discovery and Understanding

    • Define your objectives and style

    • Determine your lifestyle and risk tolerance, as well as your short and long range plans

  • Professional Analysis and Design

    • Determine the possibilities and alternatives based on your needs

  • Education and Determination of Ideal Strategy

    • Provide a clear understanding of opportunities and design

  • Take Action

    • Complete all of the steps necessary to implement your strategy

    • The client is free to implement the plan recommendations with whomever he/she chooses.

  • Annual Review

    • Update your progress

    • Period reviews or updates require a new agreement and may be subject to additional fees.

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Our experience tells us that a disciplined and diversified approach to investment management offers the greatest potential for investment success. We believe that a family’s approach to investing should not only include diversification among asset classes, but various strategies as well. Accordingly, we use the following process when appropriate for our clients.

Strategic asset allocation approaches create a mix of asset classes designed to capture market returns based on long-term capital market assumptions, while balancing risk and volatility. The portfolio strategists will generally remain fully invested in their assigned asset class, and usually do not deviate from their primary strategy.

Tactical asset allocation approaches (constrained) attempt to capture broad market returns while also seeking to take advantage of short term opportunities or mitigate risks through moderate allocation shifts. This type of approach provides the potential for the portfolio strategist to add risk to asset classes when risk levels are low, and to remove risk when risk levels are high. While this strategy allows managers to move in and out of asset classes, they generally stay invested within the parameters of their strategy It should also be noted that if the shifts are not timely or are within adversely affected asset classes, performance could suffer.