Step 1. Risk Profile
Our introduction to you, your needs and where you currently stand with your financial goals. We identify your unique views about money. This provides your financial advisor the foundation to apply their expertise.
Duration of your investment needs.
Overall return objective.
Short-Term Risk Attitude
Comfort of investment volatility.
Projected need for distributions.
Step 2. Investment Policy Statement
Ensures you and your advisor understand the advisor's role and accountability. There are four key elements to review:
1. Income Provision:
When is income needed and for what purpose? Are there lump sum needs to prepare for?
2. Decision Making:
How your money will be managed.
3. Asset Allocation Provision:
Your custom, highly diversified investment allocation designed to meet your needs without excess risk
4. Provision of Periodic Review:
A written agreement of how and how often your investments will be personally reviewed with your advisor.
Step 3. Select Allocation Model
U.S. Wealth Group creates a custom client portfolio allocation based on:
By using our proprietary process each client has a truly customized allocation specifically designed for their unique situation and financial goals. Each year we revisit these three steps to continually offer the portfolio allocation most appropriate for each client as their goals and financial needs change.