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.
ADVISORY PROCESS OVERVIEW
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.
DOCUMENT INVESTMENT OBJECTIVES
We design and document a comprehensive client profile that prioritizes your goals and objectives including expected returns and risk tolerance.
We construct your tailored portfolio with high quality securities and curated strategies.
We establish asset allocation guidelines – growth assets and risk-control assets – and rebalance with discipline over time.
MONITOR PORTFOLIO AND COMMUNICATE
We continuously assess investment results relative to objectives, indices, and peers and proactively report your portfolio’s activity.
REASSESS CLIENT CHARACTERISTICS
We revisit plan action items and update your client profile as facts and circumstances evolve.