Individuals

Here is a brief description of Individuals. Here are the services we offer:

• Individual (including Families) portfolio management is tremendously unique and varies from individual to individual.

• The Investment Process starts with understanding the client’s goals. An emphasis is put on understanding the client’s financial position and risk tolerance. The client completes a detailed financial questionnaire and risk tolerance profile.

• An Investment Plan is prepared. Key items that are reviewed include the clients goals and objectives for the portfolio. The investment policy is prepared based on the goals & objectives, the financial questionnaire and the risk tolerance profile. The investment policy is then presented to the client and reviewed.

• The Investment Strategy is developed and reviewed with the client prior to implementation. For a more aggressive client the Investment Strategy focuses on such things as limits & types of equities, length of bond investments and expected cash levels. For a client more concerned with capital preservation and income equities would not be used and the focus would on maturity levels and income generation.

• The Investment Approach that is taken is to construct a portfolio so that coincides with the client’s long-term the goals and objectives, whether those goals are long-term capital appreciation or capital preservation & income generation.

• On going reporting is provided with monthly statements along with quarterly reports. Quarterly reports include a review of the portfolio and performance is compared to the appropriate benchmarks.

• The Quarterly Reports are sent to the client and reviewed periodically.