HOW WE WORK WITH YOU

When you become a client we take the time to become well acquainted. We want to become familiar with your personal and family ambitions in order to understand their implications for your financial goals.

Getting To Know You

Our initial work with you requires several meetings. We are happy to let you dictate the pace rather than pressuring you to make decisions for which you may not be ready, or may need time. We measure success in these early meetings in terms of your comfort level, not our calendar.

We begin by asking you to explain your goals and your reasons for seeking professional advice, so that we build a shared vision of your needs and our responsibilities as your advisor. We also ask you to complete a questionnaire to ensure that we have complete and relevant details before we offer you advice.The questionnaire provides us with details of your financial position, and it gives you an opportunity to describe the future expenditures that you wish to fund from your investments. Typically, these expenditures fall into the categories of retirement, children’s education, and personal avocations such as travel or other leisure pursuits. The questionnaire also includes a section where you make some hypothetical investment choices that enable us to begin to understand your willingness to accept portfolio volatility (risk).

Integrating Your Selection

Following our initial conversation with you and your completion of the questionnaire we develop alternative portfolios for you, and we begin to work together in evaluating how each would meet your needs. We also help you identify potential tradeoffs among the alternative portfolios and your planned expenditures.

During the evaluation process we discuss different approaches to investing your various investment accounts in order to realize the target allocation. For example, we discuss the advantages and disadvantges of holding different assets in taxable and non-taxable accounts. We also review the implications of any choices you make concerning funds with Paladin Capital Management for other funds that you control such as 401(k) and 403(b)7 defined contribution accounts.