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- Portfolio Design using Passive
Investment Options
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Portfolio design begins with a discussion and analysis of our
clients' current finances, financial goals, and their risk profile
(i.e., their willingness, need, and ability to accept risk). From
there we design a broadly diversified portfolio, utilizing passive
asset class funds provided by Dimensional Fund Advisors (DFA) where
practical, affordable and available (with smaller accounts or smaller
dollar amounts we may use Charles Scwhab mutual funds instead).
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A typical globally diversified portfolio might include
the following asset classes:
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United States Large Capitalization (US Large
Cap),
US Large Cap Value,
US Small Cap,
US Small Cap Value,
Real Estate,
Foreign Large Cap,
Foreign Large Cap Value,
Foreign Small Cap,
Foreign Small Cap Value,
Emerging Markets Large Cap,
Emerging Markets Value,
Short-Term Fixed Income (US and/or Global),
Intermediate-Term Fixed Income (US and/or Global),
Long-Term Fixed Income (US and/or Global).
- Portfolio Design using Active
Investment Options (Outside Referral)
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Some clients prefer active management of their investment portfolio.
In these cases we refer clients to outside advisers, such as
local bank trust departments, Smith Barney financial consultants, UBS,
and others.
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Although we are compensated by the outside advisers for the
referral, there is no difference in the fees charged to our clients as
a result of the referral. Also, we do not separately charge for our
time when a referral has been made (except where we are also providing
unrelated services, such as income tax advice or preparation).
- Portfolio Analysis
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We frequently see evidence of client portfolios that are
heavily weighted in one market sector or asset class or are otherwise
poorly diversified. Please contact us for details on our portfolio
analysis services.
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