Portfolio Management Process

IWM practices a comprehensive approach to investment management. The investment professionals at IWM serve as the core of a team of specialists who not only structure your investment portfolio to meet your goals, but also to ensure that your other financial needs are addressed. For example, if your goals are to manage your wealth now to meet your income needs during retirement with conservative growth, and later to transfer that wealth to the next generation of your family, IWM will enlist the support of an estate planning professional of your choosing. We take this approach with all clients, whatever their particular needs and goals may be.

Initial Meeting

Your first step is a free, no-obligation, get-acquainted meeting with an IWM investment professional. If both you and IWM feel that our services are appropriate for you we move to the next task, creating your investment policy statement.

Creation of Your Investment Policy Statement

The next step is a series of personal meetings to gather the information IWM requires to create your investment policy statement (IPS). The IPS is an individualized plan that guides the management of your portfolio. The IPS is created from scratch for each client. It is not based on standardized client data dumped into a “financial planning” software package. Creation of the IPS includes a quantitative analysis of your projected cash flows to determine how much return you need from your investment portfolio to maintain your standard of living while exposing you to no more financial risk than you can tolerate.

During the process of developing your IPS, we also take a broad inventory of your financial situation. Other professionals (estate planning, tax, insurance, etc.) will be brought in as needed. IWM will gladly work with attorneys, CPAs or others of your choosing, or we can recommend professionals to you.

Implementation, Monitoring and Revision of Your Investment Plan

After the investment policy is approved by both you and IWM the investment decisions are implemented. Your needs may change and our expectations for the capital markets may change. Therefore, your IPS and investment portfolio are reviewed regularly, at least once per quarter. IWM provides you with detailed performance analysis of both return and risk for your portfolio and compares that information to relevant benchmarks such as the S&P 500 index. All along the way IWM is with you to address your concerns and needs, to ensure that you understand what investments you own and why you own them, and to revise your investment plan at any point as needed. We're here for you.

Portfolio Administration

IWM takes care of all administrative details for you. We implement investment decisions, ensure paperwork is properly completed, and take such burdensome details off you.

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