1. Determine Your Objectives. Once we understand your personal goals and vision, we will help determine the likelihood of meeting your objectives. When deemed achievable, we will develop and write an Investment Plan that outlines goals, objectives and responsibilities.
2. Allocate Assets. Using the Investment Plan, we develop a mix of assets that seeks to maximize the expected likelihood of reaching your goals. Although the cornerstone of our process is strategic (long-term) asset allocation, we will overlay this with tactical (short-term) opportunities. Allocations can and will change based on many factors, so this step is regularly revisited.
3. Construct the Portfolio. An objective search, based on your asset allocation and risk tolerance, leads us to the most appropriate investment vehicles for your situation. Consideration is given to investment style, management experience, historical return, risk, expenses and consistency. Before any investments are made, choices will be carefully examined.
4. Monitor and Communicate. We strive to make sure your goals and portfolio are aligned. Between a face-to-face meeting schedule that will be designed around your preferences and periodic reports on your portfolio's performance, we seek to make sure we're meeting your long-term needs.

Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.