Harry and David provide recommendations and alternative solutions. The length of the recommendations will vary with the complexity of your individual situation; they will always be structured to meet your needs.
It is within this step that they introduce to you your ASSET ALLOCATION PLAN. Asset allocation aims to balance risk and reward by spreading your savings according to your individual goals, risk tolerance, and time horizon. The three main asset classes are equities, fixed-income, and cash and equivalents. This process is regarded as the single most important investment decision you will ever make. The outcome of this decision will impact your future financial security. Harry and David will complete and regularly revise an Asset Allocation Plan and will update your Financial Plan as your personal circumstances changes. It is customary to review your financial plan annually to review your goals and ensure any changes in personal circumstances have been accounted for. It is imperative that you are continuously involved in the planning process by keeping Harry and David informed of any changes that can affect your financial plan (ie: marriage, divorce, children, change of employment, etc.) to ensure your financial plan is updated taking these factors into account. Your involvement, joined with our knowledge, experience and state of the art technology assists us in developing sound solutions to assist you in reaching your personal financial goals in the most tax and cost effective way.