Our Investment Planning Process
- Establish what the important values are that comprise the client’s lifestyle.
- Establish financial goals and objectives with timeframes.
- Develop an asset allocation strategy.
- Determine risk tolerance and agree on a process to use to systematically review the strategy.
- Develop a comprehensive financial “blueprint” that details client’s current financial position, their goals, investment objectives, risk tolerance, recommendations to be implemented, and schedule times for review.
- Recommend specific portfolio managers, investments, and advisory platforms (manager due diligence and portfolio construction)
- Help customize portfolios using tactical allocations to address economic and market conditions, as well as high concentrations of one security with a low cost basis, etc.
- Review the performance of the portfolio, individual assets, and portfolio managers using various benchmarks.
- Monitor changes in the market, economy, and tax laws* that could potentially affect risk and returns.
- Determine if changes in client goals, investment objectives, finances or changes in lifestyle have occurred that would necessitate a review of the overall investment plan and a change in the underlying portfolio
- Adjust portfolios and investments accordingly.
- Harvest tax gains and losses.*
* Shelley Financial Group and Wells Fargo Advisors Financial Network are not tax or legal advisors.
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