We work with investors whose investment philosophy and idiosyncratic view of the world is aligned with ours and includes addressing risk first.
To begin, we have a chat – about you and what’s important to you and how you got to where you are today. Then we talk about where it is you’d like to go. As we gain an understanding about these things, the type of retirement lifestyle you want for instance, we will identify any challenges or problems that need to be addressed so we are free to focus on the performance of your portfolio. All prospective clients are introduced to our practice as we review the core components of your financial picture including investments, cash flow management, tax management, insurance needs and estate planning. Priorities are established and an Investment Policy Statement (IPS) is created. This mutually created document will clarify for the manager, investment goals and restrictions, volatility and risk tolerance, asset allocation, types of investment instruments that may and may not be used, tax considerations, income or liquidity needs, investment methodology, the responsibility of each partner and degree of client involvement. It is signed by you and your portfolio manager but it is a flexible guide and may be altered as your circumstances change.