Our Approach
Money is personal. We believe investors deserve a partner that will provide them with a bespoke investment experience tailored to their needs and objectives.
Start Smart
Starting smart begins by getting a clear understanding of an investor’s current financial situation and how they would like it to progress to help meet their future lifestyle goals and objectives.
During this process we get to know our prospective clients by gathering information pertaining to their personal values, financial goals, and existing financial accounts. We also evaluate their attitudes toward six universal financial planning considerations and conduct a Value at Risk (VaR) Analysis.
Financial Planning Considerations
The six universal financial planning considerations are potential barriers investors may face when working toward their goals. We believe that it’s important to evaluate investor sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on an investor’s assets today and in the future.
Longevity
Outliving financial assets as the result of a longer life.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
Value at Risk Analysis
Within the initial review, we help investors understand their risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.
This Analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with the investor’s risk tolerance and provides insight as to whether changes to that portfolio are needed.
