Our Financial Planning Process

• Discovery
  • Our process begins with a conversation that’s focused on your financial needs, preferences and goals. We’ll then gather information about your assets and investments, in addition to your insurance coverage and annuity holdings.
• Analysis & Planning
  • With a clear understanding of your current financial situation and future goals, we’ll help you create a written financial plan that aligns with your unique circumstances — including your risk and return objectives, tax efficiency, liquidity needs and charitable preferences.
• Implementation
  • Once we have created a plan that you are comfortable with, we’ll collaborate with our portfolio management team, investment analysis team and account service professionals to implement our recommendations.
• Ongoing Review
  • Life changes — and so does your financial situation. Through regular discussions with us and an annual review of your total financial plan, we’ll work with you to adjust your portfolio and make sure it accommodates your evolving needs and goals.

Portfolio Management

Working closely with your financial planner and our analysts, our portfolio management team uses your personalized financial plan as a guide to creating a customized investment portfolio that’s reflective of your target asset allocation.

Utilizing a list of high-quality companies, our portfolio managers will select a combination of securities designed to help achieve your specific investment goals. Through our annual review process, we’ll ensure your portfolio allocation and holdings reflect any changes made to your financial plan.

Investment Analysis

Our analysts will closely examine a company’s fundamental business operations before we make any investments on your behalf. We want to know the company’s history of earnings and dividends, as well as the strength of their products, services and management team. 

Once our team of analysts has identified a high-quality company, we then determine how much we are willing to pay to own a piece of this business. As value investors, we wait until a trusted company’s stock reaches a price that increases its overall value.

Insurance and Annuities

Effective insurance planning is driven by our broader financial planning process and a focus on managing risk. Premature death or the unexpected disability of a breadwinner could easily derail even the best laid financial plans.

By coordinating with your attorneys and tax advisors, we incorporate insurance into your retirement, estate and wealth transfer plans to maximize the benefits during your lifetime and provide for those you care about after you’re gone. Additionally, properly structured annuities can provide a source of income over time and serve as a much-needed supplement to your own retirement savings.