Our Investment Process
A DISCIPLINED PLAN WITH A LONG TERM PERSPECTIVE
As your Financial Advisor, our goal is to design an investment program that incorporates a realistic long-term perspective and keeps you informed, up to date and on track towards your goals.
Our approach begins with an understanding that the market has historically moved through long-term secular bull and bear market cycles. Simply put, there have been “sailing” markets when the prevailing economic winds drove strong Bull Market returns, as well as “rowing” markets when Bear Market headwinds and choppy financial waters required more active management.*
Our goal is to take this into account along with your specific goals and risk tolerance. We typically combine asset allocation approaches and shift emphasis by overweighting approaches as your needs and the markets evolve. We will incorporate diverse perspectives and multiple managers as appropriate for you. The ongoing evaluation of market cycles, examining asset allocation approaches and diverse manager perspectives is a process that will continue throughout our relationship.
Your Team: Assembled to Bring Great Capability to the Investment Process
INVESTOR
FINANCIAL ADVISOR
PORTOFLIO STRATEGIST
INVESTMENT MANAGEMENT FIRMS
Our team of financial professionals will work together to help you meet your investment goals. Each member of the team plays an integral part, focusing on a defined role and area of responsibility.
As your Financial Advisor, we are here to guide you through every step of the investment process. As part of this process, we will assemble a team of professionals with expertise in investment management and specific asset allocation approaches, including professionals not typically accessible to individual investors.
Together, we will work through our entire Six-Step Investment Process:
1: Financial Analysis
2: Asset Allocation
3: Porfolio Strategist Selection
4: Investment Manager Selection
5: Monitoring and Rebalancing
6: Reporting
This will provide us with a disciplined structure for implementing an investment strategy that is uniquely tailored for you.
Meet the Investment Team Members
FINANCIAL ADVISOR – RL Bebo Financial
• Assembles the investment management team
• Navigates you through every step of the Six-Step Investment Process
• Monitors your investment plan and communicates with you on a regular,
ongoing basis
As your Financial Advisor, we will be your primary point of contact and interaction. We will work with you to analyze your current financial situation and assist in determining a suitable approach or combination of approaches based upon and your Risk/Return Profile. We will develop your Investment Policy Statement and monitor your asset allocation and portfolio strategist decisions on an ongoing basis. We will also monitor the performance of your account and suggest changes when, and if, your financial circumstances change.
PORTFOLIO STRATEGIST
• Determines asset class mix with their specific strategy
• Selects and monitors Investment Management Firms
• Re-allocates and re-balances your portfolio
Your Portfolio Strategist has a carefully crafted mandate, to create and manage your portfolio according to your specified approach to asset allocation and risk. They select the asset classes and determine the right allocation of equities, fixed income, alternative investments, and cash for your portfolio. They also analyze and select individual Investment Management Firms according to both style and performance criteria and are responsible for continually re-allocating and re-balancing portfolios.
INVESTMENT MANAGEMENT FIRMS
• Analyze and identify specific investment opportunities
• Maintain a disciplined investment process and consistent investment style
The Investment Management Firms are responsible for gathering and analyzing intelligence about the securities being considered for purchase or sale. They are carefully selected by Portfolio Strategists to implement their specific investment styles, such as large cap equities, small cap equities or investment grade bonds.