Portfolio Design Process

The most important step in the portfolio design process is determining the timing and amount of capital required to meet your specific financial objectives. After creating your financial plan, the next important step is to determine the level of risk you are willing to tolerate in your investment portfolio. The level of risk, and the corresponding rate of return, must be realistic in today's economic environment and at the same time sufficient to achieve your goals.

In order to maximize the probability you will meet your goals, our bias is toward selecting the lowest level of risk necessary to meet these objectives.

Only after we have identified your goals, determined your required rate of return and balanced that with a realistic level of risk do we begin to select the appropriate mix of investments to create your portfolio.