Portfolio Plan & Management Strategy
(written Portfolio Plan & Management Strategy)

The average investor earns 4.2% LESS than indicators of market performance mainly due to investors "withdrawing from investments at low points and buying at market highs" according to **Dalbar Inc. a firm specializing in tracking investor behavior. This gap can have a major impact on an individual’s ability to fund their retirement. The key reason is the lack of a written investment strategy.

Following a disciplined written strategy is critical to your portfolio success. Our clients receive a customized written investment strategy, including risk parameters, investment process and clear disclosure of our tax efficient, fee schedule that aligns a clients’ interests with ours.

**2014 DALBAR QAIB Highlights Futility of Investor Education, April 8, 2014

"If your financial plan is not written & measurable...it's just hope!"