Your wealth is the means, but to what ends?
Whether you are an individual or part of a family, or are a leader at an institution, we believe your wealth needs to be managed with the end in mind. What are your goals?
Our processes are designed to allow you the best opportunity to communicate and discuss your overall situation so that together we can learn and articulate to each other your objectives, both short term and long term.
For individuals and families, we articulate this back to you with a financial plan. This plan will clearly define your objectives, identify your resources (time, talent and treasure), project the trajectory of your resources, and recommend a potential path to reach and/or surpass your objectives.
For institutions, we generally articulate this back to you with an investment policy statement, which is commonly supplemented with projections and cash flow analyses. This statement will communicate back to the institution the objectives for the institution’s portfolio(s), and create a path to potentially heighten the ability of the institution to reach those objectives.
Using stepping stones to reach milestones
Once we have the end in mind, we identify the short-term goals you should meet in order to be on the right path to your long-term objectives. If you consistently meet or exceed those stepping stones, you should then gain confidence that your long-term goals are reachable, and not just aspirations.
We are comprehensive
Our financial plans generally review:
- Your current financial situation including your goals, assets and debts, and cash flow
- Wealth accumulation planning, including investment management
- Protection of your wealth
- Retirement planning
- Planning for other goals (other than retirement) planning such as college funding, debt elimination, large purchase (first or second home, etc.)
- Estate planning
Institutional approach to investment management
We serve many institutional clients. Our individual clients receive the benefit of working with advisors who consistently report to investment committees of these institutions. This means that the sophistication, discipline, and accountability required to meet the needs of these institutions are applied to all we do with our individual and family clients. This level of attention benefits all our clients.