We choose to work only with serious investors who will respect our professional expertise, and value our personal friendship. We maintain many multi-generation client relationships that have developed as a result of our caring process.

Initial Meeting
Whether by referral or some other introduction we always begin by meeting with you to discuss who we are, what we do, and how we are compensated. You should be comfortable to ask us anything to help you better appreciate how we might serve you. We will ask you what you are looking for in a professional financial relationship, as well as what your goals and aspirations are. If we mutually decide to go to the next step, we will gather pertinent data required to begin our relationship.

Information Gathering
It is both unethical and improper for anyone to offer financial advice without first reviewing certain critical information. Therefore, we will gather from you your personal and financial information such as assets, goals, time horizon, and risk tolerance, as well as identifying any other key advisors e.g. attorney, accountant. Importantly, we adhere to strict guidelines in maintaining client confidentiality.

Analysis
From the information previously gathered we will review your current financial situation to determine if your current plan is compatible to your goals.

Strategy Development
During this phase of the planning process, we will develop an overall strategy to enhance the probability of achieving client goals. A specific action plan, including any timelines, is established for review.

Education
We specialize in investment management, however, we realize that for many of our clients discussing financial products and capital markets can be overwhelming. We are committed to educating our clients so that they understand at least fundamentally how they are invested and why! We will always spend as much time educating our clients as they ask for, and we will do it in a common language.

Implementation/Monitoring
Upon agreement to the strategy we will implement your specific plan. We will monitor the plan and meet with our clients as frequently as required, but we suggest to our clients that we meet at least annually to review performance and any changes in goals, risk tolerance or time horizon. When the plan calls for changes we will review and explain the why, how, and what effect that the changes may have on your overall goal. Our clients know that we will always make ourselves available to them to address any issues that may arise.