My Process

I employ a consultative approach to investment guidance.

Through conversation, I want to learn about my clients':

• Family Dynamics

• Investment objectives

• Risk Tolerance

• Time Horizon

• Tax Considerations

• Liquidity Needs

After learning these vital factors, I arrive at an asset allocation model, which sets forth my recommendations for how much my client should have in equities, fixed income, alternative investments, and cash. 

After proposing my asset allocation model, we discuss the specific assets we utilize in each of the broad asset class categories. Through Stifel, I can offer the following: stocks, bonds (government, municipal, corporate, high-yield, and convertible), mutual funds, unit investment trusts, structured notes, annuities, REITs, closed-end funds, hedge funds, and more.

After gaining agreement on the specific assets appropriate to your needs, we implement the proposal and make the appropriate investments.

We periodically review the portfolio and rebalance quarterly or as needed.

 

 
 
 
 
 
 
 
 
Rebalancing does not ensure a profit or protect against loss.