The Process

A risk questionnaire determines the client’s overall risk tolerance and provides a basis for the fixed to equity mix.

An actual asset class model will be determined based on the fixed to equity mix, current asset holdings main- tained, client income needs, and other strategic/capital market considerations.

The Portfolio Objectives Policy (POP) sets the minimum/maximum percentage of portfolio for the two key asset classes of fixed income and equity.

A strategic asset class model is then put in place.

Within that framework, investments are implemented based on screening different fundamentals.

Asset class percentages are maintained within the minimum/maximum windows established in the POP.

It is not uncommon for investments to flounder when managed in isolation, but with solid objectives, proven principles, superior design, and continuous maintenance, a portfolio can provide the means to accomplish financial goals.

We work with you to establish your objectives, and then determine an appropriate asset allocation based on risk tolerance, current asset holdings, income needs, and other strategic and capital market considerations. We measure and analyze by creating models based on current asset holdings and variatiations of those holdings to determine both historical and theoretical performance. Our basic portfolio structure includes an effective diversification of asset classes.