Personal Discovery

• A client engages Centricity Financial in a meaningful conversation regarding financial matters, personal preferences and life goals
• Assess a client’s willingness and ability to tolerate risk
• Determine the return required to meet objectives
• Review a client’s total financial holdings to discover and address risks that may not be readily apparent
• Ascertain the time horizon for achieving investment objectives

Asset Allocation

• Asset Classes: cash, bonds, stocks, commodities, real estate, etc.
• Acknowledge asset allocation as a key driver of portfolio returns
• Define an asset allocation strategy that meets a client’s return expectations and is consistent with historical asset class performance
• Endeavor to mitigate risk relative to return objective
• Establish an investment policy statement
• Adjust asset allocation as a client’s situation or asset class valuations dictate

Dynamic, Opportunistic Investment Implementation

• Elect investments consistent with the asset allocation decision
• Target securities believed to offer attractive risk / reward characteristics
• Rebalance the portfolio to remain consistent with the asset allocation strategy

Portfolio Monitoring & Performance Reporting

• Monitor changing fundamentals that impact security specific and asset class valuations
• Provide quarterly reporting on the portfolio’s performance
• Maintain an ongoing dialogue, placing a client’s needs at the center of this cycle