The Alder Financial Group offers a personalized process for a successful investing experience. Whether you are an individual or a business concern, we approach your situation by applying a consistent, ongoing investment management process. This process is dynamic in nature, mirroring the evolving impact of financial decisions. We recognize that within any total financial picture, your goals, assets, liabilities, taxes, income, legal responsibilities and risk profile are all interrelated. Our approach helps to ensure that you are well informed of your current position, desired goals, and have a plan in place to prepare for the future ahead. Our process to generate effective financial planning and investment management is best viewed as a series of steps.

Review Existing Situation

It is in this step that both the prospective client and The Alder Financial Group determine if a mutual relationship going forward is warranted. If there is a need to proceed, we will then take a snapshot of your current situation and present holdings. A thorough analysis will be performed to determine relevant past performance and cost basis of each of the holdings.

Determine Phase and Risk Profile

We complete a thorough collection of data concerning all financial matters that will have an impact on your investment plan. This disclosure of information pertains to your investing experience, expectations, sources of income and expenses, pensions, assets, liabilities, health considerations, and taxes. We use a client evaluation questionnaire to determine your unique profile as it pertains to your tolerance for risk, your investment time horizon, and your investment objectives. This process will allow for interaction necessary to uncover goals and risk expectations that are both realistic and attainable.

Prepare Investment Policy Statement

Armed with information from your profile, our proprietary computer models will assist us in both developing your Investment Policy Statement and designing a disciplined asset allocation strategy. The Investment Policy Statement serves as a written guideline of policies, practices, and procedures for our investment decisions and ensures continuity of your investment strategy. A desired result of this progression is that the client becomes an active participant in the overall investment process.

Develop and Implement the Investment Plan

While the Policy Statement dictates our target goals and risk constraints, the next step is to develop an asset allocation strategy. An asset allocation strategy dictates what percentages of your assets are divided between equities, bonds, and cash. Our computer modeling will assist in creating a strategy optimized for your investment goals, time horizon, risk tolerance, need for income and appreciation, and diversification. We then apply our research skills and practical experience to analyze and select specific investments.

Monitor and Re-balance Portfolio

Investing your portfolio is only the beginning. Once that is step is complete, we constantly monitor your results to make sure each component of your portfolio is living up to our expectations and that the portfolio as a whole is on track to meet your goals. As needed, we will fine-tune our plan to keep you on track.

Reporting the Progress of the Plan

We provide you with quarterly reports showing your combined invested assets and performance for the period. We keep you involved by informing you about your overall plan and any activity in each of your accounts through regular statements and portfolio summaries. Your success will be measured against obtaining your specific goals, not against an arbitrary benchmark.