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We manage your assets with your goals in mind.
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Asset Management Process
It all starts with your completion of a Personal Planning Questionnaire. Based upon your answers and our discussions, we prepare an Investment Policy Statement that details your goals, risk tolerance and a description on how assets are selected and managed. It is a working document that encourages you to engage us in an on-going dialogue.
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| Mechanics of Investing: |
- An account is opened in your name with Charles Schwab, a low-cost brokerage firm.
- Schwab provides monthly reports and daily trade confirmations. On-line access is available.
- Our firm is given the ability to trade and to receive your account information daily. Only you can authorize the withdrawal of funds.
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| Asset Allocation: |
- Based upon your expressed financial objectives and risk tolerance, the percent of stock, fixed income and alternative investments is determined.
- Typically, diversified U.S. and international stock investments are in value and growth style assets.
- Fixed income and alternative investments are diversified as to maturity, credit quality, interest sensitivity and ability to complement the performance of other asset classes.
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Investment Research:
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- The investment options in each asset class are evaluated monthly as to performance versus risk.
- Portfolios of our investment management clients are routinely reviewed for their appropriateness to the achievement of expressed goals.
- Tax-consequences and low turnover are considered
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Reporting:
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- Clients receive a quarterly letter (produced in house) with our opinion on the current market, recent performance, future strategy and updates on financial planning topics.
- Asset management clients receive quarterly information on their asset allocation and comparison performance to the appropriate indexes.
In-person, phone and e-mail communication are ongoing and occur throughout the year.
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