Investing Process Options

We have found that people have two paths. The first are those that enjoy being involved in the process of the investment selection. Here, we spend time manually reviewing the accounts with the intention of managing the account with a bias towards anticipated investment trends and manual changes to the account subject to client confirmation is required.  This is the tradional approach and requires the client to be available to respond to periodic reviews and make decisions regarding manager selections. This process takes more of our time and is only practical for larger accounts (minimum account size of $100,000) and often switching fees are associated.

The second are those who embrace a strategic asset allocation approach to investing. These people prefer to delegate the process of investment manegement, asset allocation, and automatic rebalancing as the prefered investment process.  This is ideal for people who have very busy lives and entrust us to select and monitor the wealth manegement process.  Instead, they prefer to spend the time with us  reviewing financial planning goals, life goals and tax minimuxation other hot issues such as tax optimization.

We can offer both solutions. We believe that most people are better off with the second approach. The strategic approach can help to reduce volatility and remove the subjective element or resisting rebalancing due to fear or greed fueled by the media and market cycles.

We expect people to consciously decide which approach best fits their needs.