Strategic movement. Judicious action. A reasoned plan for your future.
Complex lives demand sophisticated financial planning. At Klingman & Associates, you’ll find a partner who understands the range of financial needs and responsibilities that come with success.
We recognize that clients’ financial goals are inherently intertwined with their life goals: educating children and grandchildren, achieving financial independence, owning homes where families are raised, supporting charitable causes, and finally, passing wealth responsibly to future generations. We’ll strive to learn as much as we can about your values, short- and long-term financial goals, risk tolerance and expectations – before we consider investment alternatives. Then, in collaboration with you, we’ll develop a comprehensive financial plan that strategically focuses on reaching each goal.
Step 1: Risk Analysis
When constructing your portfolio, we’ll always work within your preferred time frame and level of risk. Recognizing that different clients have different views of financial risk, we apply various quantitative and qualitative methods to help determine individual risk tolerance. Then we select investments designed to achieve maximum return within the appropriate time frame and risk parameters. |
Step 2: Asset Allocation
Asset allocation1 is the process of combining different asset classes to help balance risk and return in designing a portfolio. Studies have shown that asset allocation is the single most important factor in determining how a given portfolio will perform over time. Based on your goals, risk tolerance and time frame, we will develop a written Investment Policy Statement and asset allocation plan for your portfolio. While there are no guarantees that specific results will occur, the process is designed to produce risk-adjusted results for your particular situation.
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Step 3: Investing
In implementing a client’s asset allocation plan, we focus on quality investments that meet our rigorous due diligence process. Although we may incorporate certain investment models, each client’s particular situation is the key consideration. Concentrated positions in company stock or options, real estate or direct business holdings, deferred compensation plans and tax consequences are just a few of the issues we address during the investment selection process. |
Step 4: Managing for the Long Term
Portfolio management is one of our strengths at Klingman & Associates. We monitor and manage the components of your portfolio so that your asset allocation remains in line with your personal objectives. Periodic meetings with you help make this process dynamic as we learn how your needs are evolving. We don’t just follow your investments; we follow you and your interests over the long term. We help you weather shifting external factors so that your goals may be achieved. |
1 Asset allocation does not ensure a profit or guarantee against a loss.
