
1
Preparation & Goal Identification
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Review client’s current financial picture including investment statements, cash flow and taxes
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Define client’s goals and objectives and set realistic expectations
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Review income needs and develop an Income NavigatorSM plan
2
Collaboration: Asset Allocation and Strategy Selection
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Identify diversification needs
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Use asset location and tax management in an effort to help clients keep more of what they earn
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Select investment strategies based on the client’s required rate of return (Personal Benchmark) and review proposal with client
3
Implementation: Invest, Monitor and Adjust over Time
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Portfolio Management Team creates an asset allocation portfolio tailored to the individual client
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Portfolio Managers actively monitor and adjust portfolios as needed
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You and your Investment Consultant will review client portfolios on an ongoing basis to ensure the client is on track toward their goals