Investment Plan

Do You Need an Investment Plan?

An investment plan can provide clarity and confidence that your portfolio is working as effectively as possible. We review and analyze your current portfolio and provide recommendations to construct a well-diversified portfolio of low-cost mutual funds and ETFs tailored to your specific needs, potentially reducing risk and expenses.

Step 1: Gather Information

We begin by defining your current financial situation and goals. Through a series of questions about your family, work, finances, and priorities, as well as reviewing your current account details, we gain a complete understanding of what you hope to achieve with your investment portfolio.

Step 2: Analyze and Evaluate

Using the information gathered, we analyze your existing portfolio with professional tools such as Morningstar®. We evaluate whether your accounts collectively form a well-diversified portfolio with sound investments and reasonable costs. We identify any potential risks you may not be aware of and ensure that your asset allocation (stocks, bonds, cash) matches your risk tolerance. We also assess whether your investments are structured to take full advantage of available tax benefits.

Step 3: Recommend

Our findings and recommendations are documented clearly in your personalized plan. For each investment account, we provide step-by-step instructions on exactly what to buy, sell, or adjust to align your portfolio with your financial goals. We do not make trades on your behalf; you remain in full control of your accounts. Our goal is to ensure you feel confident in understanding and implementing the recommended actions.

Step 4: Annual Review and Rebalance

While creating a financial plan is an important first step, it is equally important to review and update it annually to ensure you remain on track to meet your goals. Life changes, tax laws evolve, financial markets fluctuate, and investments shift over time. Annual reviews help ensure that your plan and portfolio continue to align with your financial situation, values, and risk tolerance. Rebalancing during these reviews can help maintain your desired asset allocation, take advantage of market opportunities, and maximize long-term returns. These updates typically take 4–7 hours. Although follow-up reviews require less time than the initial plan, they remain essential for keeping your financial strategy on track.

Estimated time: 8 to 12 hours