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Eagle Retirement Group Process At Eagle Retirement Group we use a seven-phase process to craft and implement a comprehensive, customized investment strategy* for each client. 1. Goal Review. The consulting process at Eagle Retirement begins with listening. We ask the questions which, from our experience, we know will help us get to know you as an individual. The questions we ask give us information about your financial situation, your financial goals and your time horizon and we listen carefully to all of your answers. Listening is the most important step in the process. We do not begin to give you advice until we know what you want. 2. Asset Allocation*. Using the information acquired during the Goal Review phase we will recommend an asset allocation designed to help meet your investing goals and in line with your risk tolerance. Asset allocation is the process by which we divide your investment assets among the available types of investments, typically stocks, bonds and cash to name a few. 3. Investment Research*. With the portfolio design in place we will proceed to the investment research phase of the process. Accessing the analytical skills of the Eagle Retirement team and when appropriate, the specialization of our strategic allies, we search for the professional money managers most appropriate for each segment of your portfolio. Using a rigorous, proprietary evaluation process, our national research team assesses the current strengths, the potential for future success and the long-term past performance of an extensive array of highly regarded money management firms. 4. Investment Policy Statement*. Investment Policy Statements (IPS) are written documents that set forth the parameters within which all parties to the investment program will perform. Together, we will develop an IPS to provide a framework within which all members of your consulting and money management team can work. The IPS will also help to preserve your portfolio from ad hoc revisions, triggered by short-term market events, to help with a sound long-term strategy. 5. Implementation. The execution phase of the process. During this phase we open an individually managed account for each money manager selected and another account through which assets can flow into and out of the managed accounts. This structure provides us with the greatest flexibility in, "managing your managers," as we continually work to enhance the probability of meeting your investment goals. 6. Monitoring*. Periodic review of both the IPS and the portfolio are integral to a long-term investment consulting process. We provide detailed, comprehensive quarterly reporting on each money manager and on your portfolio as a whole. We meet with each client regularly to discuss the IPS, the portfolio progress toward your goals and the money manager performance. As the portfolio matures we may find that long-term market events, changes at money management firms or events in your life dictate a need for changes. These regular meetings give us the opportunity to react to the need for change in a prudent manner where we use the IPS to guide us in identifying, quantifying and designing the appropriate revisions.
We believe:
- We are here to serve our clients and their interests.
- In operating in an unbiased, conflict-free environment.
- In being accountable for everything we do.
- In a team-oriented approach.
- In focusing our specialization on investment consulting* and coordinating the services of other professional advisor's.
Investment Philosophy*:
- Unbiased academic research is a core fundamental tool.
- Asset allocation is a major determinant of portfolio volatility over time.
- We focus on areas we can control (i.e. taxes and fees).
- Markets and specific asset classes are cyclical.
- Superior returns are the result of a long-term plan and having the discipline to follow it.
- Every client situation is unique and warrants a personalized investment strategy*.
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