Investment Management

• Understand your needs and expectations – time horizon for distributions, income needs, growth objective, tax situation, experience with market fluctuations, etc.
• Develop a written, personal Investment Policy Statement (IPS).
• Portfolio construction, investment selection, and execution of trades.
• Periodic reporting.
• Re-balance portfolio on an opportunistic basis and when appropriate to meet your needs.
• Monitor portfolio allocation and underlying investments.
• Re-allocate portfolio due to changes in the economy, your objectives, or performance of the mutual fund manager selected.
• Tax loss harvesting (where applicable).

Specific client financial plans and their implementation are dependent upon the client’s Investment Policy Statement which outlines each client’s current situation (liquidity needs/tax constraints, if applicable, risk tolerance and capacity). It is used to construct a client specific investment plan to aid in the construction of a portfolio that matches restrictions, needs, and goals.