Our process is client-centric and goal-based in order to achieve agreed upon milestones and objectives. It is constructed to foster lasting relationships with our clients and their families. An open dialogue is an important part of this process to ensure the objectives are met and changes are accommodated into the plan.
Innovative Advisory Group Investment Process
1. Discovery & Gathering Information
Initially, we meet with our clients and discuss their expectations, goals, levels of acceptable risk, time horizons, analysis of existing investments and financial details. This meeting is purely an information gathering session, so we can properly prepare for the next steps.
2. Analysis of Information & Creation of a Plan
After our information gathering session, we develop a financial plan for our clients, which outlines their goals, expectations, and other milestones. We include an IPS (Investment Policy Statement) in these plans. An IPS is effectively a road map individually tailored for each client. It provides guidance for saving and investment strategies as well as tolerance for risk. It will reflect our client’s unique situation and is meant to be a “living document” which is periodically updated to reflect changes in our clients’ lives.
3. Plan Implementation & Portfolio Construction
After discussing our clients’ financial plan and goals, we then construct a portfolio uniquely crafted for them. We take into account a number of factors in this process including: overall portfolio design, macroeconomic factors and trends, proper diversification of assets, manager selection, risk and tax analysis, and correlation to other investments. Once we construct this portfolio it is presented to the client for further review.
4. Monitor & Review
After the implementation process, we continually monitor our clients’ portfolios to ensure they are performing as expected. We have quarterly and annual reviews with our clients to discuss their current status and any changes that we need to be made aware of. In addition to the quarterly and annual reviews, we have continuous open communication with our clients.
CREATING THE FUTURE
Ultimately, the goal of our process is to help our clients create the future that they envision for themselves. We are strategic partners working for their success, presenting independent analysis, objective risk management, and trustworthy advice. It is understood and appreciated by our clients because we have worked hard to explain to them the foundations on which the plans are built. We pride ourselves on ensuring that our clients’ have predictable results and the highest level of security so that they can focus on living their lives and worrying less about their financial future.
If you want to learn more about our investment process, feel free to contact us.