First, client specific details such as current and future financial requirements, goals, risk tolerance, return expectations, income needs and time horizons of goals – all drive strategy selection. Our Wealth Creation process is dynamic in nature allowing for revision as needed. In addition, all clients are automatically put on a schedule for regular, systematic reviews. The frequency of this schedule is client driven.

Secondly, the economic environment favors specific strategies for specific economic conditions. For example, “buy and hold mutual funds” was a strategy that worked well for the economic conditions of the 80’s and 90’s. But there are significant periods of time where money is treated better by using strategies other than “buy and hold.”