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The Investment Process

Understanding Your Goals and Needs

The process begins by guiding you through a series of questions that can help to clarify your current financial position, investment goals and outlook. This evaluation also gives you a complete picture of your risk tolerance, time horizon and cash flow needs.



Developing Your Investment Policy Statement

The next step creates an Investment Policy Statement, which outlines how your account should be managed.This document usually summarizes risk tolerance, time horizon, asset allocation, fund selection and the re-balancing criteria by which your accounts are managed. This can serve as your blueprint for potential investment success.

Designing Your Portfolio

When your investment objectives are clear, we can develop possible investment allocation strategies. Strategies are selected for optimal asset allocation,* which can be the most important decision affecting your long-term investment performance. How assets are dispersed among various asset classes can have more impact on performance than the selection of a specific mutual fund, stock, or bond within an asset class.

Implementing Your Plan

With a wide range of investments in a flexible investment platform, we will customize your portfolio by selecting suitable investments such as mutual funds, exchange traded funds (ETFs), stocks, bonds and variable annuities.

Conducting Periodic Portfolio Reviews

Periodic portfolio reviews that encompasses investment objectives and portfolio performance will help us ensure that progress is being made toward your original goals.

* Asset allocation, which is driven by complex mathematical models, should not be confused with the much simpler concept of diversification. Asset allocation does not assure a profit and does not protect against loss.