The Wealth Management Process starts with the creation of an Investment Policy Statement (IPS), which is the road map that describes how we will work together.

Your Investment Policy Statement contains the most crucial elements we consider when building your portfolio, including:

•	Clear articulation of goals and dreams
•	Investment time horizon
•	Risk tolerance assessment
•	Asset allocation targets
•	Diversification among asset classes and securities
•	Cash flow needs
•	Tax issues and efficiency in investing
•	Estate planning

We periodically review your Investment Policy Statement, and we revise it when your goals or circumstances change.