Investment Management
We create customized portfolios for individual investors and manage the money on their behalf on an ongoing basis. We also assist clients with other personal financial decisions (e.g. Life Insurance, Will / Trust) in concert with other professionals, when the core investments are managed by us. We will use our network of allied professionals (Accountants, Attorneys) as necessary to make the execution process seamless and cost effective for our clients.
Small Business Financial Services
We can assist a small business in evaluating and implementing a retirement plan such as a 401(k) plan, 401(k) plus Profit sharing plan or a Cash balance or pension plan. We work with trusted actuaries and accountants to help you implement and invest in such retirement accounts.
Access to Our Services
- One on one meetings by appointment
Please email us from the "Contact Us" section of this website if you are interested
Our Process
Our process consists of 4 major steps.
- Step 1:
During this initial no-obligation meeting, we present our services and capabilities while gauging your needs. We engage in discussions regarding investing fundamentals and financial planning issues and work with you to evaluate if we are good fit for you. After such a discussion, our standard disclosures are mailed out to you.
If you decide to use our services, along with standard disclosures, a welcome package is mailed out. It contains a request for information (Investment questionnaire and Personal Information) that is used to complete paperwork required by us to become your financial advisor. - Step 2:
We discuss your completed Investment questionnaire to evaluate the level of risk you are willing to assume in your portfolio. An Investment Policy Statement (IPS) outlining your long term strategic portfolio allocation, and an investment management contract are generated as a result of this meeting. We also generate the necessary account creation, asset transfer and account management paperwork. - Step 3:
If necessary, we discuss any questions that arise after you review the IPS. We may make further modifications to your risk profile. This can be an iterative process. - Step 4:
Paperwork sign-off and account transfer: We work with you to transfer assets to your new custodial accounts (e.g. Schwab) that will be managed by us. In parallel, you sign off on the IPS and the investment management contract. Based on your preference for a start date (as specified in the contract), we notify you and begin managing your investments.
At the end of each quarter, we publish performance reports for the investments that we managed on your behalf.