Investment Procedure

The basis for successful investing lies in establishing a dialogue to clarify each client's needs, goals, risk tolerance and return expectations.  The following process is designed to progress from productive dialogue to positive action to help meet the clients needs and achieve the goals:

Step 1 Determine Financial Needs and Goals

Help the client clarify "The Number" that will meet their needs and replace their employment wages at retirement.  Understand what the client's current resources and liabilities are and what their additional goals may be.

Step 2  Develop a Financial Plan

Understanding that retirement will likely last for 30+ years for many clients, I will select the most suitable mix of investments, based on a foundation of security, that will help  the clients address thier needs with the resources they have.

Step 3  Implentation

It is imperative that the client fully understands all aspects of the investment plan.  Each client's knowledge and comfort with the plan are essential to long-term success.  With a heart for education I want to instill confidence through knowledge.

Step 4  Ongoing Portfolio Review

Regular, periodic reviews of markets, portfolios, and changes to the client's life circumstances make this the most extensive part of the plan.  Life-long relationships are established through personal care and service, which I hold out as the cornerstones of my business.