Harvest Financial Group, LLC
Investment Process
7-Step Investment Planning Process
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1. Clarify and establish your specific near-term and long-term wealth building goals.
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2. Determine how much money you will need to fund your goals. These may include: affording the type of retirement you desire, buying a house, funding college expenses, and meeting estate planning goals.
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3. Determine what risk/return characteristics and asset allocations are appropriate for your investment portfolio, based on your planning goals and your risk tolerance.Â
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4. Analyze your current investment portfolio — both your taxable and tax deferred holdings — to determine what risk/return characteristics and asset allocations you have.
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5. Determine the most tax-efficient way to optimize your portfolio so it has the desired risk/return characteristics and asset allocations appropriate for achieving your financial goals.
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6. Select which money managers, funds or securities to allocate within your taxable and the tax deferred portions of your portfolio.
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7. Present our portfolio management recommendations and prepare an investment policy statement that spells out our agreed upon action plan for refining your investment portfolio’s holdings.