Phone: (415) 315-9916
North Capital's advisory team employs a systematic approach to the financial planning and investment management process. Whether you require comprehensive planning or know exactly where you stand and what you need, whether we are giving you a portfolio check-up or managing your investments on a discretionary basis, whether you have a $50,000 nest egg or a multimillion dollar portfolio, we apply our time-tested process to craft a tailored solution to meet your needs.
We refer to this as our PRIM process: planning, research and recommendations, implementation, and monitoring. By breaking down the investment process into components, you are able to work closely with your advisor to understand each step in the investment process.
The first step in an advisory relationship is to determine your objectives, constraints, and any special circumstances that should be considered in formulating an investment plan. For individuals, this includes a portfolio evaluation and a Lifetime Financial Analysis, including strategic tax planning. For institutions, we work with your management and Board to delineate your investment objectives, highlight conflicting goals, and develop policies and strategies that are appropriate for your organization. Learn more about financial planning.
After your needs and goals have been determined, we will make specific recommendations, including the development of an asset allocation proposal designed to meet your objectives. At this stage of the asset allocation proposal will reference investment risks and strategies, not specific securities, funds, or managers. This process bridges the planning phase and the implementation phase and helps to highlight risks and constraints that may have been overlooked during the formulation of an Investment Policy Statement.
During the implementation phase, we will recommend specific investments to effectively execute your asset allocation plan. The execution strategy will depend upon the specific asset mix and on liquidity, tax, cost, and other considerations that have been identified during the planning process. For example, certain managers and funds require high minimum investments, while other investments are accessible to all investors. We will work closely and interactively with you to ensure appropriate diversification and execution in a timely, efficient and cost-effective manner. Learn more about portfolio management.
Ongoing monitoring and reporting commence with the implementation of your portfolio investment plan. In addition to ongoing research and due diligence of investment strategies, managers, and funds, we will keep you informed of progress towards your investment objectives through conference calls, meetings, and comprehensive monthly reports. Portfolios are rebalanced on an ongoing basis, as necessary and appropriate, depending on market conditions and your particular circumstances and after considering taxes and transaction costs.
Many people do not realize that the options available to individuals saving for college have expanded dramatically over the past tend years. We can help you take advantage of the tax benefits that are available for college savings, structuring investment portfolios for both long-term growth as you are setting aside funds, and stability once you are ready to draw down on your savings.