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Establish Client Goals and Objectives
The personal relationship that we develop with each of our clients starts with an initial effort to identify your needs, objectives, and risk tolerances. Thereafter, we develop a plan and illustrate our investment process, philosophy, and portfolio design. We believe that clients must set their own goals. It is our responsibility to educate them in the financial planning process and to assist them in defining, quantifying, and prioritizing their goals.
Financial Planning
We believe in the financial planning process. This is the process of identifying goals, gathering and reviewing financial data, and designing and implementing a plan to help you reach your goals. It is a lifelong process. Once the plan is in place, it needs to be monitored, reviewed and updated to meet dynamic circumstances. Not everyone needs to have a written comprehensive financial plan. Everyone, however, can benefit from the financial planning process.
Develop a written Investment Policy Statement
We believe in developing an Investment Policy Statement for each client that serves as a guideline to effectively manage and evaluate each clients needs. The Investment Policy Statement outlines the asset allocation, cash flow needs, expected range of returns, liquidity requirements, investment time horizon and tax considerations.
Selection of specialized, independent money managers
We believe in utilizing independent institutional mutual funds to achieve a complete asset allocation based upon each clients risk tolerance. We allocate assets among the major classes of cash, stocks, bonds and real estate. Stocks are divided between domestic and foreign and large and small capitalization. We further divide domestic stocks into growth and value styles. Bonds are diversified by duration.
Systematic Rebalancing
We believe rebalancing an investment portfolio is essential in adding higher returns and lower risk to a portfolio. Ashwood Advisors, LLC monitors portfolios ongoing and will rebalance once any asset class hits tolerance levels.
Monitor and Analyze Portfolio Performance
In addition to custodian monthly statements, every quarter end clients will receive a written portfolio performance report from Ashwood Advisors, LLC, which gives you a clear picture of your account performance versus major market benchmarks and progress towards your goals.
Communicate with Client
In short, Ashwood Advisors, LLC is service oriented - not sales oriented. Our ongoing attention to the composition and performance of your portfolio, and our frequent communication with each of our clients, distinguishes Ashwood Advisors, LLC as a truly client focused firm. We are available to meet with you to review your performance report each quarter, as well as for periodic reviews.
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