Our Process

 

Our eMoney^® planning process is designed to help bring clarity to your financial life. It helps you align your financial life with your real life. We use the Envision process as a life planning tool to help you:

• Explore your life goals
• Plan your investments around benchmarks that hold real meaning for you
• Track your progress toward them

 

Step 1. Prospective Client Discussion

During our initial conversation, we uncover the details of your financial life and discuss your long-term and short-term goals, priorities, and the investment strategies you already have in place. We share information about our team, investment approach, planning philosophy and our process.
 

Step 2. Planning with eMoney^®

We gather information and details of your current financial situation. Our deep analytical approach and comprehensive evaluation includes understanding your risk tolerance, dreams and priorities, retirement goals, estate investment planning needs risk management and insurance needs.

Combining goals-based guidance along with strategic portfolio allocations, we use the eMoney^® tool to build your plan to help achieve your goals. 

Step 3. Implementing your customized plan

Once the plan is complete, we initiate the investment management process. We construct your portfolio using a CORE portfolio that makes up the majority of your investment assets, customized to your unique needs. I then add in a SATELLITE strategy of non-traditional, or alternative asset classes as appropriate. This CORE/SATELLITE strategy seeks to give your portfolio traditional market exposure for the majority of your portfolio while adding the additional diversification of alternative asset classes if appropriate.

 

Step 4. Staying on track

Our work doesn’t stop once your plan is in place. We stay engaged by reviewing progress and updating your strategies as needed, ensuring your plan continues to reflect your goals as life changes.


Click to learn more about our eMoney® Planning Process

<sup>1 IMPORTANT: The projections or other information generated by eMoney®  investment analysis tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Based on accepted statistical methods, eMoney®  uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.</sup>