Investment Management Process

Process Steps

1. Assess Risk Tolerance

This first step involves a comprehensive discussion about risk /reward with a risk tolerance questionnaire. It is through this process that we will develop an understanding of the client’s goals and philosophies so we may develop a comprehensive investment strategy to address and a recommended asset allocation.

2. Review and Analysis

With the client’s assistance we will gather, review and analyze his or her current investments including statements, portfolios, holdings and return on investment (ROI) reports. This allows us to see where the client is now, how his or her investments are performing, whether they have appropriate diversification and if their investments are aligned with their goal and philosophies.

3. Compare and Contrast

We will compare a client’s current portfolio allocation to their appropriate allocation considering their risk tolerance and investor profile identified in step 1 above. We will identify those portfolio areas in which the client is overweight and underweight and discuss an approach that will more appropriately reflect the client’s investment goals.

4. Develop Your Investment Policy Statement (IPS)

An IPS is a written statement that helps to clearly communicate to all relevant parties the procedures, investment philosophies and guidelines of a client’s investment program. The IPS document ensures the long ‐ term adherence to a set of guidelines that the client and the financial advisor both agree on.

5. Selection and Reallocation

With access to a wide array of investment opportunities, Platinum Peak, in conjunction with the client, will reallocate investment assets in order to reflect client’s goals and philosophies as stated in the Investment Policy Statement. This step includes a selection of investments and investment models.

6. Monitor and Maintain

Platinum Peak’s involvement is dynamic in that a client’s objectives are forever evolving and thus his or her strategy requires constant monitoring. This step consists of reviewing and rebalancing your portfolio on a periodic basis, as well as the need for portfolio adjustments for life changing events including:

  • Varying income needs over time
  • Semi ‐ retirement vs full retirement
  • College expenses
  • Death of a spouse
  • Support for the children

For additional information about the Investment Management Process, please contact us.

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