We emphasize a comprehensive approach to asset allocation, prudent diversification, and active asset management. We consider the client's specific goals and risk tolerance and our outlook for capital markets when directing assets to domestic and international markets (e.g., stocks, bonds, hedge funds, real estate, commodities, and private equity). Capital is managed in a flexible, personalized style; no clients' portfolios are identical because of differing financial resources, objectives, tax considerations, and tolerance for risk. We report quarterly to our clients on the allocation and performance of their investment capital.
Our financial planning services provide a detailed analysis of the client's total financial condition. The analysis typically includes cash flow projections (short-term and long-term), an income tax projection, an overview of the client's insurance program (e.g., life and property and casualty), and review and description of the client's estate distribution plan. Based on our analysis and the client's objectives, we then develop and recommend strategies designed to achieve the client's wealth management goals. We assist the client in implementing our recommendations, coordinating our work with the client's other advisers. Our financial planning services continue as we periodically update our analysis of the client's financial condition to make certain the client is on track to achieve his or her goals.