Our Method

Phase One: Planning & Analysis

The first phase of our approach to managing our client’s wealth has three parts:

1. GOAL DISCOVERY & SETTING

We focus on understanding our client’s short-term and long-term objectives; assigning a timeline and monetary value to each one.

2. ASSET INVENTORY

We create a schedule of all liquid and non-liquid investments, real estate, bank accounts; followed by a detailed breakdown of all liabilities.

3. PLAN ANALYSIS

When necessary, we assess a clients current spending needs to determine their liquidity requirements. This will include understanding current and future income potential, as well as exploring costs savings and budget tools to help support clients savings habits.


Phase Two: Investment Strategy & Execution

In phase two we focus on risk tolerance and portfolio execution. This part of our approach can be broken into five steps:

 1. RISK TOLERANCE ANALYSIS

In this step we focus on finding the delicate balance between a client’s willingness to take risk and their ability to take risk.

2. INVESTMENT ALLOCATION & SELECTION

We use the risk tolerance information to build a globally diverse index-based investment portfolio for the client that minimizes management expenses. In addition, we factor in what role Alternative Investments should play in the clients portfolio and then weight the allocation accordingly.

3. PORTFOLIO EXECUTION

We focus on timely execution of trades, management of transaction fees to minimize trading costs and ensuring sufficient liquidity for spending needs.

4. PORTFOLIO REBALANCING

We ensure a client’s portfolio stays in line with their original target portfolio. This is accomplished through systematic rebalancing around acceptable target ranges for each position in the portfolio. The net result is an efficient way to enforce a “sell high/buy low” discipline.

 5. TAX-LOSS HARVESTING

At year-end, we assess the realized gains in a portfolio and offset these gains with any available losses to minimize client’s tax liability for a given year.


Phase Three: Service, Education & Empowerment

The final phase to managing our clients wealth includes the following four elements:

1. PERSONAL SERVICE

Nothing replaces the need to personally connect with clients on a regular basis. For this reason we reach out regularly to give clients updates on their portfolio and set in-person reviews, as desired. Annually, we ensure we sit down with our clients to review the work we’ve done in the Planning & Analysis phase, to ensure our clients needs are continuously being met.

2. INTEGRATED TECHNOLOGY

Technology moves fast and we strive to keep pace with the advancements. We provide online access to sophisticated performance reporting and financial planning tools. We incorporate e-signature services and provide electronic delivery of statements and reports. Lastly we ensure efficient transfer of funds through electronic funds transfer.

3. CONTINUOUS COMMUNICATION

We utilize all of the tools available to us to ensure our clients are informed regarding investment trends, the economy and the world around them. Clients can keep pace with this information via Facebook, LinkedIn or even Twitter. In addition, clients can tie into our RSS feed to for our View360 blog posts.

4. PROFESSIONAL NETWORK

Trust is everything. This is why we work hard at establishing deep relationships with other professional such as CPA’s, estate planning attorneys, insurance brokers and real estate professionals. Whenever possible, we strive to make sure clients have the right person to talk with to ensure their financial services needs are well met.

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