The Wealth Management Process |
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Assessing your goals - We believe the foundation of a solid relationship begins with a plan. A well thought-out investment plan should be integrated with your overall tax, estate, and other planning needs. That plan should manage risk by diversifying across asset classes, take advantage of the full range of available investment products and services, and seamlessly accommodate changes in your financial and personal lifestyle. |
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Such a plan can only be developed by understanding your unique situation and needs through a process that reveals what it is that makes you different as an investor and as a person, exploring and assessing your every opportunity for growth and success. Guided by your relationship manager, your dedicated team uses diagnostic and analytical tools to carefully assess your situation and consider the most promising and most appropriate investment alternatives. These analytical capabilities are supplemented by the experience of our investment professionals. Drawing upon a selection of asset classes, our research and analytical capability and, if appropriate, our roster of internal and external investment managers, we will develop an investment plan that not only meets your needs today, but evolves with your changing financial and personal considerations |
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Phase I: Gathering Information |
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The more we know, the better your investment plan. At the beginning of every relationship, we listen and learn, understanding the essential details concerning your goals, family, assets, tax rate, risk tolerance, liquidity needs, and income requirements. We prepare a cash flow summary, which is helpful when establishing a wealth transfer strategy or when adjusting spending habits. We identify such issues as stock options, concentrated stock positions, pensions, and trusts. In addition, we create an overall risk assessment of your investment holdings and analyze your current portfolio construction.
This process provides us with a clear snapshot of you and your financial life that gives us the framework upon which to build your investment plan. |
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Phase II: Creating a Customized Plan |
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In the second phase, we confirm the information we have gathered to make sure our data is accurate and our assumptions well grounded.
Using sophisticated analytical tools and investment expertise, we further consider such factors as your risk tolerance, tax status and expected future cash flows. We then develop a customized and strategic asset allocation, the mix of stocks, bonds, cash, and alternative investments structured to meet your specific needs and situation. Finally, within the context of your overall financial plan, we offer a comprehensive investment plan with supporting rationale. |
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Phase III: Putting the Plan to Work |
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Once the investment plan has been reviewed and refined, we put it to work for you. Utilizing a range of internal and external investment management capabilities, we work with you to implement your plan leaving you with a clear understanding of what we are doing, where we are going, and how we plan to get there. |
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Phase IV: Monitoring and Fine-Tuning |
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Invariably, your life and financial situation will change, and so should your financial plan. We conduct an ongoing evaluation to ensure that your plan remains on track and consistent with your goals. We also schedule periodic meetings to review your plan and consider other suitable investment opportunities that may arise.
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