We follow a very structured, but also highly personal investment planning process that puts you at the center of every step – from assessing your situation and building your portfolio to managing your investments and measuring your progress toward your goals.

  • Step One - Assessment
  • Step Two - Allocation
  • Step Three - Asset Management
  • Step Four - Monitoring

Our initial assessment meeting will set the tone for our relationship with you. We’ll begin with some fact-finding to help us identify and clarify your financial needs, goals, timelines, investment history and comfort with risk – creating a “snapshot” of your current situation. This meeting is also your opportunity to get to know us. We’ll share our experience, our capabilities and what you can expect as a client.

The next step is to use what we learned in our assessment meeting to create a personal asset allocation model designed to help you achieve your goals. Asset allocation is the process of balancing the risks of investing, and developing a successful asset allocation strategy requires that you recognize four key principles: There are no risk-free investments. There are no perfect or best investments. All investment decisions are compromises. Successful investing requires patience and discipline over the long term.

Once we’ve finished customizing your personal asset allocation model, we start the process of deciding which individual investments will make up your portfolio. This process will, by necessity, involve several steps, including detailed analysis of your current holdings, the selection of new investments as needed and appropriate and recommendations as to the manner of implementing your overall plan.

Our monitoring process begins immediately after you choose to implement your plan. We will continually reassess the relative attractiveness, on a risk-adjusted basis, of your various investment holdings. As noted in the discussion of the Asset Management process, the Advisor’s quantitative investment analysis disciplines are the primarily tools utilized in this ongoing analysis. In addition, the Early McClintic & McMillan Investment Committee meets on a regular basis to discuss recommended holdings and adjustments driven by actual performance.

Investing involves risk and there is no assurance that any strategy, including asset allocation, will ultimately be successful or profitable nor protect against a loss.