Open Architecture

The Financial Planning ProcessOnce the asset allocation is determined, the Investment Policy Statement (IPS) is drafted to document the plan for the portfolio. The IPS is tailored to our clients’ unique needs and circumstances. It addresses cash flow needs and expectations, risk tolerance, time horizon, income tax issues, and asset allocation. It also identifies the criteria we will use to select and evaluate managers.

The IPS is the "business plan" for the portfolio – it provides the framework for all future investment decisions. This is why after reviewing and approving the policy, as well as any future changes, we ask the client to sign it. Then both of us are clear on the intended path.

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Check the background of this financial professional on FINRA's BrokerCheck