I employ a consultative approach to investment guidance. To do this effectively, I aim to learn about my clients’:
After gaining a better understanding of these vital factors, I will develop an asset allocation model, which sets forth my suggestions for how much my client should have in equities, fixed income, alternative investments, and cash.
After proposing my asset allocation model, we will discuss the specific assets we may use in each of the broad asset class categories, including: stocks, bonds (government, municipal, corporate, high-yield, and convertible), mutual funds, unit investment trusts, structured notes, annuities, real estate investment trusts (REITs), closed-end funds, hedge funds, and more.
After reaching an agreement on the specific assets appropriate to your needs, I will implement the proposal and make the appropriate investments.
As our relationship continues, I will periodically review your portfolio with you and rebalance as needed.
Asset allocation does not ensure a profit or protect against loss. Rebalancing may have tax consequences, which you should discuss with your tax advisor.