1. Understand each other

It is essential to learn all about your time lines, wealth structure, risk tolerance, income needs, long term dreams, and legacy plans. We encourage you to consider your entire financial horizon so we make the right financial decisions in context and remain focused on the road ahead.

We believe a clearly defined client/advisor relationship is critical to long-term success. Early in our relationship, we ask you to complete our Client Service Agreement, which outlines the benefits and services you can expect from us and the commitments and disclosure we can expect from you.

2. Create your Investment Policy Statement (IPS)

Your IPS defines your unique circumstances today and plans for your financial future.

It will outline risk parameters; income needs; your tax, estate and insurance circumstances; and the levels of service and communication you can expect from us. The IPS is essentially created in partnership with you, and evolves as your life and objectives do.

3. Implement the Plan

We will ascertain the optimal asset allocation and determine the best investment structure, managers and strategies for you, based on the IPS. This process is finalized with you prior to setting the plan in action, and we will ensure you are fully educated about all aspects before its execution.

4. Study and Monitor the Plan

Your investments will continually be monitored and, when necessary, rebalanced. We spend a great deal of time seeking and evaluating superior investment solutions, considering history, expectations, tax efficiencies, fees, and liquidity.

5. Report and Communicate

Communication and accessibility are vital to a successful relationship. In addition to regular communication we meet with you quarterly or semi-annually to review your investments and ensure that we remain informed about any changes in your personal and/or business circumstances.

A performance update will be prepared with a frequency and format that matches your needs. Our fee-based program provides quarterly and customized reporting. In addition to the monthly statement that Blackmont generates, a progress report will be provided to you every quarter that includes a balance sheet, profit and loss and cash flow summary. An added benefit to this regular quarterly progress report is a realized gain and loss statement at the end of each year for tax purposes.