Our Approach
Spectrum's approach to financial planning starts with obtaining financial and other information from the client, including information about attitudes, goals and objectives. We then prioritize which goals and objectives are most important, analyze your information to develop recommendations for your consideration, and explain implications and potential outcomes of each alternative.
Our approach to asset management can be summed up in two words: "Active Discipline." It encompasses three elements: portfolio construction, implementation and monitoring. Portfolio construction is largely based on what is known as Markowitz Portfolio Theory, the fundamental goal of which is to allocate investments between different assets in order to maximize returns for a selected level of risk. Each client's investment objectives, constraints and preferences are identified and specified in writing through an investment policy statement (IPS).
- Implementation and monitoring is an ongoing process by which:
- Strategies are developed and implemented through investments in a combination of financial assets
- Current economic and capital market conditions are observed and compared to forecasted assumptions
- Client circumstances are monitored
- Portfolio adjustments are made as appropriate to reflect significant changes in any or all of the above variables.
Our Process