Our Process


Our investing process centers around six steps:


1. Assess your goals and circumstances.  The investment plan process begins during the Discovery Meeting with a discussion of your financial values and goals, as well as your key relationships, existing assets, other professional advisors, preferred process and important interests. 


While everyone’s situation is unique, certain factors matter in creating any investment plan. These factors include the purpose of the investment, its size, the sources and planned uses of the funds, and the amount of uncertainty you are comfortable having. By reviewing your goals and circumstances, we build the foundation of an investment plan that best matches your needs and the realities of the financial markets.


2. Set your investment objectives.  Taking into account the long-term nature of successful investing, we set objectives for your portfolio that are appropriate for your willingness, ability and need to take risk, and the investment horizon(s) you identify.


3. Plan your asset allocation.  Asset allocation is the process of deciding how much of your portfolio to invest in each of the different investment types, or asset classes—stocks, bonds and short-term investments (both domestic and foreign), as well as hard assets such as real estate.  The goal is to optimize the risk-return relationship appropriate to meet your needs and goals.


4. Select Your Investment Approach.  The basis for the principles of your investment plan is a collection of the best evidence from the academic disciplines of economics and finance. (see our Investment Philosophy)


 5.  Develop your Investment Policy Statement (IPS) - Your IPS is a written investment plan that guides investment decisions and clarifies what the investment objectives are, how they are going to be met, and how investments are to be managed.  


6.  Build your portfolio.  Building on the first five steps, we construct a portfolio suited to your needs, goals, investment horizon and risk attitude. The building blocks for the portfolio are largely passive vehicles, including index funds, mutual funds, and exchange traded funds (ETFs). It is our  belief that  these provide the best investment option based on diversification, low cost, tax efficiency.