Our Investment Process

Our investment management process begins by determining your financial goals, time horizon, and risk tolerance. Understanding these factors allows us to customize an investment strategy that suits your unique needs and preferences. We then construct your investment portfolio based on your individual situation. This involves determining an appropriate asset allocation strategy that takes into account the current capital markets environment and your risk profile. We allocate investments across different asset classes, such as stocks, bonds, real estate, etc., and select specific investments within each asset class. The aim is to build a diversified portfolio that minimizes risk and optimizes return potential.

Once constructed, we continue to monitor and maintain your portfolio. Ongoing monitoring ensures that your portfolio remains aligned with your goals and objectives. Regular rebalancing is crucial to bring the portfolio back to its target asset allocation whenever market movements cause deviations. We track the performance of your portfolio by comparing its returns against relevant benchmarks. If certain investments consistently underperform, we may replace them with better alternatives. In taxable accounts, tax loss harvesting is utilized as a strategic approach to mitigate the impact of capital gains taxes.

By following these steps, our objective is to create and maintain a well-structured investment plan that maximizes the likelihood of achieving your goals while effectively managing risk.