The Full Circle Process

Many Individuals neglect having adequate savings and insurance protection for what’s important at every stage of life. To address these critical issues, we have developed a process that helps ensure that our clients have a comprehensive, holistic financial strategy with details in place to address all of the elements of their financial lives.

Step 1:
Determine Your Risk Profile and Goals – Through personal consultations with you, we will develop a personal profile of your individual investment needs and objectives, time horizon, and attitude toward investing. If needed, we will also conduct a full financial plan, including retirement analysis, insurance planning, estate planning, and much more.
Step 2:
Develop Your Asset Allocation Policy – We will develop a personalized asset allocation policy based on the needs and objectives identified in your personal profile. This policy will be designed for your risk tolerance, through careful, diversified allocation of your investments. Please note that asset allocation and diversification do not ensure a profit or guarantee against loss; they are methods used to help manage risk.
Step 3:
Implement Your Policy – Your asset allocation policy will be implemented by investing in a well-diversified portfolio that spans multiple asset classes and investment styles. Assets within your portfolio will be managed by some of the country’s preeminent money management firms.
Step 4:
Monitor and Rebalance Your Portfolio – Your investment portfolio will be carefully monitored on an ongoing basis to ensure that it remains consistent with your agreed-upon asset allocation policy. If the relative value of investments in your portfolio changes enough to become inconsistent with this policy, we will reallocate funds within your portfolio as needed.
Step 5:
Report the Results – We will communicate with you on a regular basis and provide a comprehensive reporting package, such as account level performance reports and statements providing details of your account – including total asset value and a record of all transactions that occurred during the reporting period.