4 Point Process
1. WHAT ARE YOUR GOALS?
Establishing your goals helps us create an investment strategy we use to guide your wealth. Based on your monetary needs, time frame, risk tolerance and goals, we can determine the best investment strategy for your situation. Goals change, are flexible and reactive to changes in your life, the market, and economic conditions.
We do not provide legal or tax advice. There are no guarantees regarding the attainment of goals or objectives stated in any meeting we have. Markets fluctuate up and down and any investment strategy can be subject to loss.
2. GROWTH OR INCOME? OR BOTH? WHAT IS YOUR STRATEGY?
Everyone’s circumstance is different and has a different risk tolerance. We recognize that. Generally, most investors have 3 stages in their investing life.
Growth- While working, you pay your bills and live your lives. You also use your money earned to save for later in life. Your savings has an opportunity to grow in the market with an appropriate strategy so when the time comes, you have hopefully saved enough. This strategy may be appropriate for people with a moderate to aggressive risk tolerance.
Growth and Income- As you approach retirement or are working less, you need your savings to grow and provide income at the same time. You need a strategy that combines growth investments with income investments for an appropriate balance. This strategy may be appropriate for people with a moderate conservative to moderate risk tolerance.
Income- In retirement, you typically want two things. An income strategy you potentially can’t out live and something leftover to pass on when you are gone. You need a strategy that gives you a stream of income and helps you to preserve something left over for your heirs. This strategy may be appropriate for people with a conservative to moderate risk tolerance.
3. HOW SHOULD WE INVEST YOUR ASSETS SO THEY WORK FOR YOU?
All of your investment accounts may be governed by your goals. Each account may have different objectives. We manage the investments of combined accounts as one portfolio to meet your overall goals and objectives.
We use different combinations of investment types to establish appropriate asset allocation for each stage of your investing life.
The strategy may include both stock and bond closed end funds and ETFs, common stock, preferred stock, individual bonds, and Alternative Investments. Our recommendations can change based on market conditions, changes in your risk tolerance, suitability, and with your goals in mind.
All investment recommendations are discussed with you, the client and traded upon your approval.
4. WHAT IS OUR COMMUNICATION COMMITMENT?
We schedule a review of all accounts face to face or by phone twice a year. We make portfolio adjustments based on changes in your circumstance and market conditions.
We make outgoing calls to every client on a monthly basis with a portfolio and market update.
We are available by phone or email any time during business hours to discuss concerns or needs. You can expect a return call within a day or two or our assistant will let you know when you can specifically receive a call back.