What you can expect when you hire us to invest on your behalf:

Before an appropriate investment plan can be designed, it is best to first create a financial plan.   The financial plan tells you when you will need to use your money, what you will use it for, what accounts you should draw from and how the investment plan relates to your overall financial health. Once you have an overall financial plan, an investment plan can be created to match investments to the current and future objectives they need to accomplish.
Ultimately, investing involves trade-offs. There is no single investment that provides preservation, high current income, growth potential and liquidity all at once. We believe it is important for you to understand the trade-offs involved with your options. We use your financial plan to illustrate how certain investments and strategies can be best aligned to achieve your objectives.

When designing an investment plan we consider the following:

Purpose of the investment
What is the current and future purpose of your investment? For instance, determining whether it is better to provide retirement income now and an inheritance for your children later.
Timeframes
How long will it take to realize your retirement goals? After reaching your goal, how long does the money/income need to last?
Allowable risk  
How much investment risk are you comfortable with (risk tolerance)?
How much investment risk can you financially afford to take (risk capacity)?
Tax consequences
Which investments and accounts are best for a specific investment/goal (taxable, tax-deferred, tax free, etc.)?
Expenses
What tools can I use to achieve my goals while minimizing costs?

Note: For both pre-retirement and post-retirement, we construct  investment portfolios that give clients the flexibility and liquidity to adapt to changing situations and respond to unexpected circumstances without suffering penalties when possible. For example, to help clients protect assets and plan for predictable income in retirement, we construct portfolios using high-quality individual bonds, CDs, ETFs and mutual funds which all offer liquidity when necessary.

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