We will design a customized portfolio based on your personal goals, time horizon and tolerance for risk. Accounts are diversified across asset classes and industry sectors through no-load mutual funds, index funds, exchange-traded funds (ETFs) and individual equity and fixed income securities to help maximize your return based on your own comfort level with risk. Each account is reviewed and measured against the goals you wish to achieve. Portfolio rebalancing to its strategic asset allocation is conducted at least one time per year. Account investment holdings will be changed from time to time as warranted. As your investment horizon, risk tolerance, or life changes occur, we will consider how those changes may or may not impact the current asset allocation of your account.
As your trusted advisor, I will:
- Provide guidance in developing your investment goals and appropriate time frames - Help you understand and assess your risk tolerance over time - Build and maintain an appropriate portfolio based on your goals, time frames, risk tolerance, and financial picture - Regularly monitor the account and discuss appropriate changes in specific investments or the overall asset allocation - Provide ongoing communication and education about your account and general economic and market news - Discuss other opportunities that may improve your ability to achieve financial success
Planning begins by understanding your goals and learning about what is most important to you. During our planning meetings we will identify and prioritize issues and goals, analyze them thoroughly, and outline a plan that meets your objectives. I take the time to build your confidence and trust, explain everything in detail and answer all of your questions. A review of your finances includes:
Cash Flow Analysis - Identify cash inflows and expenses and help plan for future savings and cash needs.
Compensation and Benefit Planning - Coordinate all of your employee benefits within one financial plan.
College Savings - Review any current 529 or other college savings plans to ensure their appropriateness for your family's needs.
Estate Planning - Review your current estate plan in the context of your life goals and your financial future. I may propose modifications and will work with your estate attorney to implement any changes.
Insurance Planning - Analyze your current insurance plan to ensure that you and your family are properly covered with the appropriate types and amounts of insurance. I will then work with your insurance agent to implement any changes, if necessary. Retirement Planning - Understand your retirement objectives and plan for a secure future.