We begin each client relationship by determining specific financial objectives and constraints. Desired wealth targets, current spending requirements and overall financial strength are assessed for each client. We next address the liquidity needs, time horizons, tax considerations, legal and regulatory ramifications and other unique circumstances that will dictate the investment strategy going forward. 


      A thorough risk assessment details the client’s ability and willingness to assume risk and the commensurate desired and required returns that are appropriate. This information is used to create a detailed Investment Policy Statement (IPS) which guides the investment process.  The IPS is incorporated into our capital market expectation framework to produce an investment plan.