Our advisors follow a four step approach towards advising you which takes into account your priorities, risk appetite and things which you sometimes overlook in your life. Learn more about this process:
#1. We ask about you.
What are you saving for? Maybe you’re buying a home, paying for child’s college, saving for retirement, or building an emergency fund. Or, maybe you’re just investing for the sake of investing.
No matter your goal, we’ll ask you how much you’re hoping to save and when you’ll need your money.
#2. We'll build you a portfolio.
Once we know a bit about you and your investing goals, we’ll build a personalized portfolio with a risk level and investment mix that suits each goal. And if you’d like to adjust that mix, you can.
These are some of our portfolio strategies:
- Large Cap dominant investing
- Mid and small cap investing
- Retirement fund
#3. We’ll help you decide how much to invest.
For each of your investing goals, we’ll recommend how much you should deposit initially and on an ongoing basis. When it comes to retirement, we’ll also suggest which retirement funds you should use, and how much you should save into each account.
No matter the investing plan you choose, we’ll keep you up-to-date on how you’re tracking to help you reach your goal by the time you’d like to.
#4. Our technology manages your money.
Here’s where our technology gets to work. We’ll rebalance your portfolio to maintain your preferred risk level. As your investments produce dividends, we reinvest them for you to avoid cash drag. While holding cash may be a prudent choice at some times, cash drag incurs inflation losses as well as well as significant opportunity costs.
We put the right investments in the right types of options . And when it’s time to sell a portion of your portfolio we'll sell the holdings in a tax-efficient way, helping to reduce your tax burden.