Broker Check

Investment Policy Statement

The purpose of this Investment Policy Statement or IPS is to establish a clear understanding the client and the advisor as to the investment goals and policies applicable to the investor’s investment portfolio.

The IPS will:

  • Establish reasonable objectives and guidelines in the investment of the investor’s assets.
  • Set forth a target portfolio that reflects the risk levels, allocations and return targets that the client’s money will typically be invested to work toward. The personalized investment strategy and target portfolio allocation recommended approximate based on individual cash requirements, re-balancing needs, economic conditions, taxes, and market conditions and the frequency of portfolio rebalancing.

The IPS is developed from an evaluation of many key factors which impact the investor’s specific situation, including: market risk tolerance, investment goals, age, time horizon, income, debt, net-worth and investment objectives. The IPS acts as summary of the investment philosophy that the financial advisor will seek on your behalf.


Portfolio Construction

ESG Investment Preferences are a primary concern in constructing our portfolios to match each investor’s investment objectives. To create ESG portfolios, we determine which asset classes and sectors may be poised to benefit from the appreciation opportunities present in the prevailing environment.

Being mindful of creating a diversified basket of investments, we then examine the set of mutual fund managers through our due diligence process identifying responsible capital stewards to find funds with a history of maintaining socially responsible standards while pursuing attractive total returns. Last, we analyze various ways of combining return drivers and risk exposures until we reach a diversified allocation we believe reflects the ESG objectives.


Rebalancing Procedures

From time to time, market conditions will cause your portfolio’s investments to vary from the original allocation that we established. To remain consistent with the overall guidelines established in the IPS, each holding in the portfolio is invested may be reviewed at a regular interval, and rebalanced back to the model weighting of your investment risk objective.

You and your financial advisor will determine the review interval and the amount of variance allowed in an attempt to balance the goals of proper allocation vs. minimizing transaction costs and fees.


Duties and Responsibilities

Your financial advisor is responsible in assisting you in making an appropriate asset allocation decision based on your particular needs, objectives and risk tolerance. Your financial advisor will be available on a regular basis to meet with you periodically to review the portfolio for suitability, risk, market conditions and see if any of your priorities have changed. The investor is responsible to provide all relevant and accurate information on financial condition, net worth and risk tolerances, and must promptly notify them of any changes to this information.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss. No strategy assures success or protects against loss. Investing involves risk including loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.