Investment Management

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1. Use Financial Planning to Determine:

• Goals ‐ your needs, wants, and time horizon
• Available financial resources (current investments, income, employer plans, etc.
• Risk tolerance
• Cash/ liquidity needs

2. Write Investment Policy Statement (IPS) that:

• Defines portfolio objectives
• Defines target asset allocation for all investment accounts
• Establishes the guidelines for selection of investments
• Specifies the criteria for evaluating performance

3. Implement Portfolio Design:

• Filter thousands of potential investments by multiple factors including:
  • Asset class and style
  • Style consistency
  • Buy and sell discipline
  • Manager tenure
  • Performance vs. volatility
  • Expenses
• Select investments for each account in your portfolio

4. Ongoing Review and Maintenance:

• Monitor asset class weightings, style management, and security selection
• Review and update IPS periodically to ensure portfolio matches your needs and circumstances