Portraiture, our process for developing an in-depth profile of your specific financial and life state, is often an iterative process. The picture we create may differ from your own characterization based on discrepancies we may uncover between your perception of your assets, situation and characteristics and your true circumstances. In this stage, your particular portrait as well as our capital markets assumptions are the primary inputs to model various asset allocation scenarios. Any projected future cash flows are included, as are allocation restrictions reflecting your stated biases.
Plan development leads to an investment policy framework―a formal set of guidelines that details the upper and lower limits of each investment category as well as the long-term, strategic allocation target for these assets groups. Our work takes place in the context of your overall state of affairs, and we collaborate with you and your other advisors to optimize their advice.