STEP 1. Review Financial Goals and Establish a Written Plan
An initial and ongoing review of your personal financial situation and goals is a critical component in any
successful investment program. The Masterplan Approach is the cornerstone of our approach and seeks to coordinate all aspects of your financial situation including investments, tax, estate, retirement planning, and insurance.
STEP 2. Formulate an Investment Strategy
The process of building and managing your portfolio begins with proper asset allocation. Our objective is to identify a mix of financial assets best suited to your return expectations and risk tolerance. We then apply a disciplined approach that is firmly based on our core foundation: Hefren-Tillotson's conservative, long-term approach to investing.
STEP 3. Security Selection
Once your asset allocation is determined, we use a disciplined approach in selecting individual securities
and/or world class money managers. And, as a privately-held firm, Hefren-Tillotson's independence allows us to be objective in managing your investments without the conflicts of interest or restrictions involved in using proprietary products.
STEP 4. Ongoing Management and Performance Monitoring
We continually monitor your accounts and the financial markets to identify opportunities to reduce risk,
generate income, limit taxes, and increase returns. As a client in Hefren-Tillotson's Investment Advisory
program, you can expect regular updates from your Financial Advisor regarding your individual holdings, while he or she monitors the performance of your investments in relation to your own personal financial goals.
