Our investment advisory team analyzes a broad number of variables that could impact the probability of the investor meeting his/her current and future goals. We take a 360-degree financial view of our client’s financial projection in terms of cash flow, income, net worth and balance sheet statements.
We then look at the investment playing field and use various tools to perform “What If” scenarios to create different plans with varying outcomes. We assess the probabilities of reaching goals by factoring in the greatest uncertainty—-the rate of return. Our analysis takes into consideration the following variables:
- Existing assets
- Contributions
- Withdrawals/spending
- Mortality probabilities
The Beringer Group Investment Management and Research Team develops a series of Model Portfolios comprised of those existing assets that fit into the model, as well as new separate accounts (equity and fixed income), ETFs, alternative assets, advisor directed programs, hedge funds and private equity, when and where appropriate.
Once a model is agreed upon, an Asset Allocation Model is designed to serve as the blueprint for the investment process. As with the Investment Policy Statement, the Asset Allocation Model should be reviewed on an annual basis to be certain it is still applicable and the asset classes fall within the predetermined ranges. Although the overall process is based on Strategic Asset Allocation strategies, Tactical Tilts are recommended from time to time based on current market conditions.