Client Process

How We Work With Clients

We are a fee only Registered Investment Advisor. Our goal is your financial success. We will work with you to develop a comprehensive approach to accumulate and preserve your wealth. We create and implement strategies that are tailored to each individual's unique set of goals. We will assist you in realizing your financial aspirations. In order to accomplish that, our process consists of the following 6 step approach:

1. Analysis of current goals and resources
2. We will work with you on a written financial plan to assess your needs and guide us on the most effective way to achieve it, while being sensitive to your risk tolerance
3. Formalize an investment policy
4. Design an asset allocation strategy that matches the risk tolerances of the client considering all aspects of risk
5. Select money managers; develop portfolios or strategies to accomplish financial objectives
6. Monitor, supervise and review progress

We use Morningstar Office and Advent Axys portfolio monitoring systems to report underlying portfolio analytics. This capability gives us the capacity to monitor risk and return against an individual's portfolio.

We are engaged on a non-discretionary basis by our clients. The client has the final determination of portfolio risk and expected return. Normally, our client accounts are domiciled at Charles Schwab and Company, Exeter Trust (State Street Global Advisors). These custodians execute all trades and receive compensation for that service.

Material Risks:

There are several material risks with most investment strategies and they are:

• Market Volatility Risk: Investments will go up and down in value. This risk can be measured by standard deviation
• Liquidity Risks: Certain investments may be difficult to sell and thus illiquid
• Interest Rate Risk: Certain investments (such as bonds) may decline with rising interest rates
• Mortality Risk: A client may out-live their money if withdrawals are not managed
• Purchasing Power Risk: Inflation may erode the purchasing power of investments
• Credit Risks: Non-Government Bonds have guaranteed credit risk and a default risk
• Tax Risks: The type or nature of taxes on any gains if any are an important part of any investment decision

Investing is a process of Risk Management in light of investment goals. We incorporate all forms of risk when building an Investment Portfolio.