How we work the process
In order to be your partner in navigating the modern investment environment, we must get to know each other
How we work the process
In order to be your partner in navigating the modern investment environment, we must get to know each other – build rapport and trust. Preferably, this would happen face-to-face, but in present times we’ll have to settle for zoom and Google meets.
The aim of these meetings is for us to get to know you beyond just finances and for you to better understand RockDen’s approach.
Our initial meetings will serve to thoroughly understand your values, needs and concerns. It is also the time for you to better understand RockDen’s philosophy and process and how that fits in with your goals.
This will help us gain a sense of your life priorities and goals and where that stands in your life circumstance (i.e., in financial terms, current and future assets‑and‑liabilities).
We want to also know your natural investment instincts and preferences – i.e, your views on risks and asset classes.
With this knowledge, we can openly discuss how your goals and preferences fit with what we see of the world today – and mutually decide on the best way forward.
Analyze and discuss risk
While we use standard industry risk‑profile questions, we pay particular attention to how you have reacted in past periods of market stress.
The industry tradition of basing investors’ risk tolerance based on their age just doesn’t work, because every investor’s circumstance is different.
We will transparently assess your current financial conditions and propose a broad direction on working together to achieve your goals. This can take place over multiple meetings as we understand the need to refine your expectations and our plan.
The financial plan
We will provide you with a holistic financial plan aimed at minimizing taxes, managing your cash flow and generally simplifying your financial life. It will show where you stand today and what is being implemented to work toward your goals.
This takes place within our existing global view on future asset returns. While we use portfolio construction techniques and tools, we add value by adjusting the future return profile of assets based on a global view of macro‑economics and valuations.
Portfolio implementation and ongoing management
The final step to the start of our partnership is to recommend and implement your investment portfolio with the appropriate risk parameters.
Implementation is the start of our partnership. We are a fiduciary and will continue to monitor your portfolio and will always put your financial well-being first. Our post‑implementation functions include the following:
Asset allocation monitoring
· Portfolio rebalancing
· Strategic portfolio hedging
· Cash management
· Tax-loss harvesting
· Monitoring and portfolio maintenance
· Review appointments twice yearly