Planning Your Retirement

We've already determined that it's important to have a plan. But beyond that, it important to have the right plan... One that works for you! Using our state-of-the-art software, we will help you run "what if" scenarios, to determine the best course of action for you. During this phase of your life, you find yourself having to effectively build your wealth. This involves a certain amount of risk. Doesn’t it make sense to quantify, and analyze that risk and to ensure that it is appropriate for you?

Let's take a minute and walk through the steps we take with our clients...

STEP 1 - Asset allocation

Using our state-of-the-art Allocation planning approach, we will determine the best recommended mix of safe, secure investments for you, based on Modern Portfolio Theory (MPT).

STEP 2 - Develop a roadmap

Utilizing our expertise and our unique web based planning approach, combined with statistical data, and the best planning software in the industry, we will help you determine your goals and develop an effective plan to get there. We will prepare a concise, easily understood report for you, complete with our recommendations for safe, secure investments that meet or exceed your criteria. This becomes your investment policy statement (IPS), and will demonstrate the steps required to achieve your financial goals.

STEP 3 - Analyze current investments

We have access to over 60 years' historical data of various investments. Using our state-of-the-art research software and our experience and expertise, we will prepare a written, concise report that will show you how your current portfolio has been performing. We will compare your various investments to appropriate indices, enabling you to make an informed decision. Finally we will make our recommendations for "fine tuning" your current portfolio.

STEP 4 – Complete the transactions

We handle all of the paperwork for you ensuring that the process is seamless for you. Once this has been completed, we consolidate your investments for you by posting them online on a secure web site that only you may access. This web based technology provides you with real time performance numbers, access to your fund data and much more. Our clients feel that this is a great feature, enabling them to check in on their portfolios 24/7.

Blueprint

With our Blueprint program, we have the power to create personalized reports that detail your risk tolerance, and to back up our recommendations.
We can show our clients the tradeoffs between risk and reward and clearly demonstrate the advantages of diversification, putting together a professional investment plan. Blueprint is one of the most powerful asset allocation programs available. It takes advantage of the Globe HySales web based database to enable us to view real performance numbers.

Review real performance numbers

Because our Blueprint program utilizes the web based Globe HySales database, it gives us access to real performance information from Globe Interactive - meaning that the investment plans we create for you are based on the most accurate data available in the industry. We can also mix funds and indexes in your Blueprint portfolios for the purposes of establishing benchmarks.

We use this technology to:

• Enter your current portfolio and compare it to the portfolio we recommend
• Determine your risk tolerance with a comprehensive on-line questionnaire
• Recommend a portfolio and a suitable mix of asset classes
• Choose funds to fill those asset classes
• Graphically illustrate the portfolios we create

Use expert portfolios and asset classes

Our “new client” questionnaire includes a short list of questions designed to easily determine your personal investment objectives and risk tolerance. The Blueprint questionnaire and portfolios were developed for us by Pershing, a division of Donaldson, Lufkin & Jenrette, which is renowned for its expertise in managed accounts. Not all assets classes perform equally. By diversifying across classes, you can reduce your portfolio risk and volatility. With these top-notch Pershing allocations we are able to create an appropriate investment plan for any client.

Build custom portfolios

In addition to providing expert pre-built portfolios, our Blueprint program also gives us complete flexibility to modify these existing portfolios to meet any client's needs. We can adjust the recommended asset class percentages from zero all the way to one-hundred percent.

By leveraging our expertise with this technology we can:

• Put together comprehensive investment plans for you
• Determine your risk tolerance with the online questionnaire
• Keep your portfolio risk levels constant with the rebalancing feature - Historically this has increased overall returns
• Override suggested portfolios - very useful for certain clients who score on the borderline of a recommended portfolio
• Select funds for portfolios with at-a-glance complete fund information
• Manage your expectations and demonstrate the advantages of a long-term plan with a Holding Periods Volatility Graph
• Graphically show you the advantages of diversification with features like a Scatter Chart
• Add multiple funds in each asset class for realistic portfolio simulation