Our process

Stages of analysis

Inventory current financial position (detailed within Life vision planning)

  • Assets
  • Liabilities
  • Income sources, etc.
  • Tax circumstances

Set goals and objectives

  • Determine risk tolerance (financial and psychological)
  • Current and future income and capital needs
  • Review estate planning issues and alternatives

Develop investment strategy

  • Determine necessary return parameters (targets)
  • Achieve objectives with least amount of risk: portfolio efficiency
  • Asset allocation modeling (“Asset allocation is 92% of return”: Ibbotson)

Implementation of investment strategy (Open account and transfer investments)

  • Diversify adequately within major asset classes
  • Equities — market segment, gain potential and dividends
  • Fixed Income — laddered maturity schedule and specialty products to obtain adequate income

Evaluate performance (Ongoing)

  • Ensure strategy is achieving the stated objectives
  • Ensure individual investments are performing to expectation
  • Measure and evaluate portfolio performance versus indexes and peer group

Review and adjust investment strategy (Ongoing)

  • Review stated objectives
  • Evaluate market conditions
  • Make adjustments to portfolio/strategy if warranted to reflect changes in the market environment or client circumstance

The comments contained herein are general in nature and are not intended to be, nor should be construed to be, legal or tax advice to any particular individual. Accordingly, individuals should consult their own tax advisors for advice with respect to the tax consequences to them, having regard to their own particular circumstances.