PERSONAL FINANCIAL PLANNING
The client's assets, liabilities,capabilities and desires are assembled and reviewed in order to establish manageable goals.
Priorities have to be set in respect of essential needs, supplemental lifestyle requirements and sheer luxuries.
Some priorities will change with the passage of time, family situations and changing relationships
The mind set in planning has to be sufficiently flexible to foster a comfort zone throughout such changes.
The service is fee based. There are no products to promote or sell.


INVESTMENT COUNSELING
After reviewing the client's investment portfolio, we will consult with the client to establish the goals and parameters within which the portfolio should be managed. Further consultation with the client and the Investment Advisor will confirm the guidelines under which the Advisor will operate on behalf of the client.
Where appropriate we will review with the client and the Advisor on a quarterly or annual basis.
The objective is to establish a comfort zone where the client can have confidence in the professional handling of the portfolio. We are not involved in the day to day activity of the account.



SELECTION OF INVESTMENT ADVISORS/MANAGERS
Sometimes retirement or other changes of staff of the Investment Advisor cause loss of confidence or other lack of comfort in the relationship.
After the Investment Counseling review we will invite submissions from three or four Investment Advisors or Managers.
Together with the client we will meet each of them separately for an initial introduction and exchange of ideas.
When the submissions are received we will meet with the client to review each submission for clarification as necessary.
Together with the client we will receive verbal presentations separately from each party.
It is stressed to clients that whatever the features of the presentations, the essential quality is that the client must feel comfortable with the future relationship. It has to be the client's choice.