In the first year of our relationship, we work closely with you to review each area of your financial life. We will have up to eight meetings to delve into each of these areas independently. This is a highly interactive process and is designed to ensure that we completely assess your current situation, identify and immediately address any urgent issues, and lay the foundation for our ongoing work together.
The capstone meeting of the first year will be our Investment Strategy session where we agree on an asset allocation. We believe that it is important to hold the Investment Strategy meeting after all our other meetings have been completed. This allows us to formulate an investment plan in tune with your long term goals and personal values and informed by your attitude toward and capacity for risk.
We memorialize the investment strategy in an Investment Policy Statement (IPS) that serves as the guide for all our ongoing investment decisions. In addition to specifying the individual investments that comprise your portfolio, their expected returns, volatility and cost, the IPS also spells out the rebalancing strategy we will use to bring your asset allocations back to policy weights as these shift over time with the movements of the market.