Advisory Portfolio Process

The first step in our Advisory Portfolio Planning Process is to identify your financial goals, your tolerance to risk and your investment time horizon.  We accomplish this by using WealthLink, our Wealth Management Planning Technology and our Riskalyze Risk Assessment Technology. 

Our clients have the ability to access their own personal WealthLink website and view their entire financial world in one location that allows for a comprehensive, interactive planning experience. Here we focus on what goals are important specifically to you.  Riskalyze is an interactive Risk Assessment tool that seeks to identify an investors risk tolerance and assigns the client a specific Risk Number.  

As we move to the construction phase, we create a target asset allocation that contains the determined level of diversification and exposure to various markets and sectors before beginning the process of screening for investments.  We build customized portfolios for our clients by screening from a wide investment universe of stocks, bonds, mutual funds and exchange traded funds allowing for flexibility in choosing the investments that we believe are best suited for each client. 

We use Morningstar and Thomson Reuters research analytics in creating tailored up to date recommendations on all assets held within your advisory accounts. Lastly before implementing the portfolio, we run a Riskalyze Analysis to confirm the portfolio risk score aligns with your personal risk score.

We understand that not only will your investments change over time but so will your goals and current risk tolerance. Our team has several enhanced monitoring systems in place to help ensure that your portfolio remains appropriate for your over the long term.  

1. Monthly Due Diligence  - Monthly Mutual Fund, Stock, Bond and ETF due diligence reviews conducted and maintained on a monthly basis for all assets held within your advisory accounts.  We use Thomson Reuters and Morningstar Research to assist in this process.

2. Periodic Account Level Review - We will meet at least annually to review your account performance, life changes, goal changes and risk tolerance.  During the review we will provide Compass Technology Reports to review performance and allocation. Riskalyze Risk assessment to determine if your risk tolerance has changed Performance and our Wealth Management Planning tools to update your overall financial plan and progress towards your goals.

3. Automatic or Conditional Re-Balancing - Depending on the Advisory account structure chosen your portfolio investments may periodically be re-balanced back to the original asset allocation percentages.  This is designed to reduce the long term risk of some assets getting to be too large a percentage of your overall allocation and concentrating your portfolio risk in a certain sector or asset class

4. Discretionary Advisory Services - Depending on the Advisory account structure chosen.  This allows your advisor to make investment transactions without obtaining client verbal authorization prior to the transaction.  

Communication is rapidly changing in the world.  Our goal is to provide flexible client communication tools that allow our clients to communicate with us in the manner they are most comfortable.  We are happy to meet in person, over the phone or virtually.  We also have numerous communication tools that are available to make our client's lives easier.

1. Compass Technology Reporting - Enhanced performance reporting available electronically as a monthly complement to your regular account statement.

2. WealthLink Shared Vault - You will have a secure virtual vault on your personal financial website where you can store important documents, as well as share documents directly with us in a safe secure location. 

3. Text Messaging - Traditionally texting for business purposes has not been allowed in our industry.  We use a tool called MyRepChat that allows us to communicate with our clients via text, not only conveniently but compliantly.

4. Riskalyze Check Ins - A quarterly interactive email check in to see how you are feeling about the Markets and Finances. You will also be provided with account specific account analytics.

5. Navist Monthly Market Update - You will receive a monthly email containing a market and economic update video along with other interesting global facts and stories.