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- Investment Advisory Services
How do you choose an investment strategy once your nest
egg becomes the primary source of your income in
retirement? Is there an asset mix that will likely provide
the income stream you need or want? How does the asset mix
affect the longevity of your retirement portfolio? What are
the chances you are going to outlive your income? How
frequently should the portfolio be reviewed and changes
made? What factors would cause you to change your strategy?
If any of these questions sound familiar, our
Investment Advisory team can assist you in
building and monitoring a portfolio individually tailored to
your plans for retirement. The steps in this process
include:
- Determination of Your Investment Profile
Determine the risk profile for you and your
beneficiaries
Establish diversification objectives
- Development of a Personal Investment Policy
Statement
Provide a written guideline for the initial selection
of investments
Establish a procedure for the ongoing monitoring of
the portfolio
- Selection of appropriate funds for the plan
Apply quantitative fund screens established in the
Personal Investment Policy Statement to the entire
mutual fund universe to produce a reduced list of funds
to consider
Apply qualitative tests to aid in making final fund
selections
- Quarterly Fund Monitoring Procedure
Provide a written quarterly Monitoring Report to
evaluate fund performance in comparison to benchmarks
established in the Personal Investment Policy Statement
Provide written recommendations with respect to
appropriate actions to be taken in light of performance
results and industry developments
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