Working With Individuals and Families

Mom, Dad and daughter are sitting in a park reading and eating apples
“Spend each day trying to be a little wiser than you were when you woke up.”
 – Charlie Munger
 
I am a firm believer in optimal asset allocation. While asset allocation does not ensure a profit and may not protect against loss, it can play a key role in establishing a sound investment strategy and mitigating risk to assets. 
 
Here's a snapshot of my process: 
 
  • Fill out risk tolerance questionnaire to learn account expectations and financial personality
  • Conduct follow-up meeting to make proposal and collaborate with adjustments
  • Set action plan into motion
  • Adopt a routine of ongoing communication to evaluate accounts
  • Review progress in a meeting format or over the phone at your desired frequency
Using the Stifel Wealth Strategist Report® and leveraging Stifel's robust Wealth Planning professionals, investment proposals are recommended and influenced by one of six asset allocation models: Sample document showing an example of a variety of asset class allocations depending on risk tolerance.
The above models provide an effective framework of how to construct the specific account investments for the desired degree of risk.  To meet my clients' allocation targets, I predominantly incorporate individual stocks and bonds/Certificates of Deposits (CDs), mutual funds, exchange traded funds (ETFs), Unit Investment Trusts (UITs), and annuities.