We monitor and evaluate your investments every business day.
January-February: We will update, and discuss with you, the performance of your portfolios to compare the actual rate of return with the target rate of return in your plan. We will recommend changes, if necessary, and collect your tax information.
March-April: We prepare tax returns and coordinate reviews with our contracted CPA. We determine if IRA contributions are beneficial and will look for tax saving strategies to implement throughout the year.
May-June: We will update your financial plan with your new tax information, as well as any changes that you think should be incorporated. We will review the financial implications of the updated plan with you.
July-August: We will update, and discuss with you, the performance of your portfolios to compare the actual rate of return with the target rate of return in your plan. We will review your risk tolerance to ensure that your investments are aligned with your goals. We will recommend changes, if necessary, to rebalance your portfolios to better achieve your goals.
September-October: We will analyze your tax situation and implement investments and/or transactions to maximize your after-tax income. We will review your insurance situation and recommend changes (if necessary) reflecting new programs and tax laws.
November: We will also review your estate plans and charitable intentions. We will then work with you to update any estate planning documents (wills, trusts, etc). We also host our Annual Client Appreciation Event.
December: We will implement any year end after-tax maximization strategies. We also review our asset allocation models relative to the outlook for world economies, striving to manage the anticipated risk and reward of our client's investments for the coming year.