We have a comprehensive approach to financial planning. It begins with establishing the advisor-client relationship, gathering information, determining goals, analyzing and evaluating the information, developing and discussing the plan with the client, implementing the plan, and finally, monitoring and evaluating the plan on an on-going basis.
The client-advisory relationship starts with us learning about each individual client’s financial situation, their goals and the timeframe in which they would like to achieve them. We believe an important part of this process is getting to know one another. We will take the time to get to know our clients and their financial goals and necessities. We want to learn about their lifestyle and goals in order to develop a plan that fulfills clients’ financial objectives that fits their lifestyle the best. We also assess clients’ risk tolerance through a risk questionnaire. Fees, responsibilities, and duties that we will fulfill for our client will also be outlined and discussed.
This is a plan that we believe will best suit client needs.This is accomplished by inputting client information and plans into the software programs we utilize, such as RightCaptial. These various tools will help us decide which investments are best for our clients and for the success rate for each of our client plans. Once we have our client’s plan the way we believe best suits the clients and their needs as well as the confirmation from the clients, we will begin to implement the plan. A conversation of the various options and how they can affect their plan will also be discussed. We look to encompass every aspect of our client's life when helping them formulate a plan for their finances. We do not want to provide clients with only bits and pieces of their finances; rather, we want to provide clients with a holistic view.
After agreeing on the right plan for the client, a review of the final plan will take place to ensure confidence for both parties regarding the plan. If necessary, we will make any needed changes. We will then sign the necessary documents, and being the implementation of your plan. DTI focuses on the idea of “Disciplined Investing in an Undisciplined World” in order to keep all of our clients on track with their plans.
We monitor our clients portfolios and periodically rebalance each back to the clients target portfolio to help optimize returns given their intended level of risk. To keep costs low, we only rebalance when necessary. A client's asset allocation may need to be adjusted over time as their goals and risk tolerance change. We review our clients entire portfolio every 6 months to determine if any update is needed to their allocation. We also encourage clients to inform us of any current changes in their life, goals, or finances so we can keep their portfolio as up-to-date as possible with their needs. Additionally, clients may schedule a monitoring meeting with us at any time. We are always here to help our clients succeed.
We are a small firm with big hearts. We go above and beyond to help each and every one of our clients achieve their financial goals.