Our Process

Step 1: Understanding Client Needs

In order to best understand your needs, we review your goals, risk tolerance, time horizon, income requirements, tax status and special circumstances. We educate you about our approach to investment and encourage you to ask questions about how and what we do for you. The result of this process is a formalized plan called an Investor Policy Statement (IPS) and it provides the “road map” for how we will enable you to pursue your goals.

Step 2: Creating your solutions

Following review of the IPS, and depending on the composition and complexity of your portfolio, we design a customized implementation plan to suit your specific circumstances.

Step 3: Implementing your plan

In addition to managing your portfolio in accordance with your Investment Policy we will monitor your investments, provide you with quarterly portfolio appraisal and performance reports, invest additional cash inflows, rebalance to Investment Policy targets, and maintain detailed tax records for your account. We also work closely with your specialized financial professionals in the area of tax and law. Above all, we focus on maximizing after-tax return at an agreed-upon level of risk, while maintaining a long-term perspective.

Step 4: Managing the Results

We will have periodic meetings as necessary to review your portfolio and your Investment Policy, and to discuss any significant changes in your personal or financial situation. When necessary, changes will be incorporated into an updated Investment Policy.

LPL Financial

LPL Financial understands that providing Americans with objective investment advice is critical to their financial security.