ADVISORY SERVICES
At Sapphire, ongoing engagement is essential to our disciplined advisory process. We begin by working with you to develop a shared understanding of your financial situation and aspirations. Anticipated cash flows, tax considerations, long-term objectives, and your willingness and ability to take risk are assessed over time. We memorialize important facts that inform an agreed-upon investment strategy and manage your portfolio as a fiduciary – acting in your best interest.
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ADVISORY PROCESS OVERVIEW
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DEVELOP CLIENT PROFILE
We perform in-depth fact-finding to understand your unique financial situation and tax matters. We assess and document the timing of your short-term and long-term cash needs.
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DOCUMENT INVESTMENT OBJECTIVES
We design and document a comprehensive client profile that prioritizes your goals and objectives including expected returns and risk tolerance.
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CONSTRUCT PORTFOLIO
We construct your tailored portfolio with high quality securities and curated strategies.
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ALLOCATE CAPITAL
We establish asset allocation guidelines – growth assets and risk-control assets – and rebalance with discipline over time.
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MONITOR PORTFOLIO AND COMMUNICATE
We continuously assess investment results relative to objectives, indices, and peers and proactively report your portfolio’s activity.
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REASSESS CLIENT CHARACTERISTICS
We revisit plan action items and update your client profile as facts and circumstances evolve.