Creating the roadmap to your goals

A beneficial service offered through our team is the development of a personalized Investment Policy Statement (IPS) - a critical first step to investment success. Consider this popular Japanese proverb:

Vision without action is a daydream.
Action without vision is a nightmare.

An IPS combines one's vision and plan of action in a single document. It records your investment objectives, time horizon and comfort with risk, and articulates a personalized roadmap to your goals.

Once an IPS is completed, we will begin to build the portfolio that will drive you toward your destination. By integrating your personal data with asset allocation models, we can identify the combination of investments that will offer you the highest potential returns for the risk level you are comfortable with. And because it reflects your investment personality and needs, an IPS makes it easier for you to stay on the road to your goals.

To work best, your IPS should consider all of your assets and ideally be managed through one advisor. This ensures you have a coordinated strategy and are not inadvertently taking on too much risk or missing out on the returns you need to meet your lifestyle objectives.

After your portfolio is established, it is then monitored and managed by specialists using a disciplined process to keep it aligned with your plan.

Keep in mind that an IPS considers a range of market and inflation scenarios, based on statistical probabilities. As a result, the need for changes to your IPS due to economic factors is quite rare. However, to ensure the IPS continues to reflect your personal circumstances, you should review your goals each year and whenever you experience a significant change in your life - for example, the birth or death of a dependant, the loss of a job, or perhaps an inheritance.

Our focus on long-term planning and disciplined portfolio management guided by an IPS are among the factors differentiating our service - and also boosting the chances of making your dreams a reality. Call us to learn more about the value of an IPS.