| OUR
MANAGEMENT PHILOSOPHY
While no two clients are the
alike, experience tells us that most seek to achieve their
greatest potential financial independence and security for
themselves and their families.
We believe you will be best
served by employing a comprehensive approach that includes
realistic goal setting, thorough planning, adequate
diversification, and long-term investing.
We also believe in taking a
conservative approach that allows us to focus on your long-term
well-being. This means you'll have no reason to take
undue risks, follow fads, or depend on market timing and have
every reason to aim for consistency, cost effectiveness, and tax
efficiency.
We can simplify your
life by
- Helping and guiding you as we
put your plan into action
- Keeping you on track,
focused, and disciplined
- Coordinating and facilitating
the work of your other advisors
- Monitoring and evaluating tax
laws and economic conditions and alerting you of the need to
adjust or change your plan
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HOW
WE WORK
We begin setting goals by
identifying the things that are most important in life: your
family, your health, your career, your
plans for retirement.
Once we have gained insight into
your needs and desires, we break your goals out into a series of
objectives, each with its own action plan and time-table for
completion. With specific objectives and plans you will
find it much easier to make decisions and balance priorities,
evaluate the effectiveness of your actions, and make adjustments
along the way.
Your investments will be
selected and managed, and their performance will be evaluated
according to a written Investment Policy Statement linked to
your financial goals and investment profile developed during the
planning process.
Investment purchases and sales
will be only be made with your advance approval.
Transactions will be executed through a custodial broker. The
custodial broker will hold all securities in your name.
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THE
BENEFITS
By combining retirement and
estate planning, insurance, investments, income taxes and more,
you will get a comprehensive assessment of your current status
and a coordinated approach to managing your financial
affairs. Over time you'll find this coordinated approach
yields many cost, risk, tax, and time saving opportunities.
Client
Communications
As a client you will receive
monthly statements and transaction confirmations directly from
the custodial broker.
We also provide quarterly
performance reports that give you performance data for the
quarter and for the life of the account. These reports
include your balances by asset class, realized and unrealized
gains and losses, benchmark performance results, disbursements,
and fees.
You will benefit from Thorne
Asset Management's periodic newsletter, as well as alerts and
updates on tax law changes, financial market conditions, and
other critical information.
Quarterly Meetings
We typically communicate quarterly with our clients to assess
progress, discuss potential adjustments, and answer questions.
We are always available to respond to your inquiries during
normal business hours.
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