Step #1 - Through personal consultations with you, we develop a personal profile of your individual investment needs and objectives, time horizon and attitude toward investing.

Step #2 - We develop a personalized asset allocation based on your needs and objectives as identified in Step 1.

Step #3 - Your asset allocation is implemented by investing in a well-diversified portfolio and is managed by institutional money management firms, funds and ETF's.  

Step #4 - Your investment portfolio is monitored with your input to ensure that it remains consistent with your agreed-upon asset allocation.  

Step #5 - Our independent custodian will provide statements including details of your account, total asset value and a record of all transactions that occurred during the reporting period.