Our client-advisor relationship begins with a conversation. The consultation is designed to be a two-way exchange of information. It's an opportunity to learn more about each other and ultimately decide if our services and expertise are a good fit for you. Understanding your needs and goals - both quantitative and qualitative - is crucial to this determination. What does peace of mind mean for you?
The next step we take is to uncover your investor profile. Every client has a different mix of past investment experiences, current financial conditions, and future expectations that all coalesce to form a unique perspective. We factor in your risk tolerance, time horizons and other factors to create an even fuller picture. Using this composite of information, we can provide advice that's specifically relevant to your personal context.
The integration of your objectives and your investor profile is an essential prerequisite to the formulation of your investment plan. Your investor profile will likely evolve over time and we will strive to keep pace - so that our future recommendations will serve you just as well as our current ones.
In this next phase, we recommend an asset allocation strategy that reflects your investor profile and positions you to reach your investment objectives. From here, we create a personalized investment plan for you with actionable recommendations to help you to generate income or grow your assets in accordance with your goals.
The portfolio we build and manage for you is a diversified selection of individual securities (stocks and bonds) rather than investment products (mutual funds and index funds). As your advisor, this affords us greater control over your portfolio’s exposure to specific market elements and risks. It also avoids the additional layer of management costs inherent to investment products that erode returns and drag down portfolio performance.
Regarding the investment selection process, the securities chosen for your portfolio are the result of systematic in-house research and fundamental analysis. We apply our own insights to investment selection rather than relying on external input and the result is a process that's more unified with the other elements of your investment plan. By minimizing delegations of responsibility - we remove potential breaks in the continuity of our service. Consequently, we can offer greater assurance that the recommendations you receive have taken your objectives and concerns into full account.
As part of the ongoing management of your investments, your account is continuously monitored and periodically rebalanced to maintain its alignment with your asset allocation strategy and investment plan. Similarly, we also periodically re-evaluate your investment plan and update it to capture any changes in your investment objectives or investor profile.
We have designed our reporting process to be customizable to your preferences. As our client, you have options when it comes to the frequency of reports and the form in which you receive them (email or phone conversation) so that you can stay as informed and involved as you want.