Broker Check

Four Step Process



  • Consolidate and organize all investment assets in an understandable format.
  • Analyze client data-- including statements from brokerage, bank and/or trust -- to calculate financial resources required to meet financial objectives.
  • Evaluate existing asset allocation* and investment selection as compared to client's stated goals, objectives and risk tolerance.

*Asset Allocation does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk


  • Define and analyze client's unique circumstances, including financial objectives, risk tolerance, net worth, annual income, liquidity needs, tax considerations and age.
  • Design customized portfolio.
  • Allocate investments into multiple classes with the appropriate percentage in each to help manage risk


  • Analyze professionally managed portfolio services, including private managers, asset allocation, market timing, mutual funds, and wrap-fee programs.
  • Review money management services by style, risk parameters, track record, total costs and stability.


  • Monitor portfolio performance on a total return basis.
  • Provide computer analysis and evaluation.
  • Implement long-term strategy, change money managers when fundamentals change.