Investment Management Peak 3 Step Investment ProcessIdentify Risk ToleranceSelect Partnering StrategistsMonitor and Rebalance Portfolio STEP 1: IDENTIFY RISK TOLERANCE We start by reviewing your personal risk tolerance — how much risk you’re willing to take and which types of risk most worry you. Your risk tolerance is determined by a combination of factors, including your investment goals and experience, how much time you have to invest, your other financial resources and your “fear factor.” We talk a lot about risk. To help us understand your risk tolerance, we start with a quick quiz: Take the Quiz STEP 2: SELECT PARTNERING STRATEGISTS One of the great things we have available to us here at Peak Wealth is access to hundreds of strategists with our UMAX platform. We believe in diversification not just by asset class but also by strategist. Our partnering strategists give us access to an army of CFAs (Chartered Financial Analysts) on our bench to assist in designing portfolios so we can diversify by philosophy and execution style, not just asset class. STEP 3: MONITOR AND REBALANCE PORTFOLIO Once the portfolio design and implementation is complete, the monitoring process begins. This includes monitoring each strategist's performance relative to their benchmarks on a weekly basis as well as rebalancing quarterly (or as-needed based on the markets). At the time of each meeting, we ask our clients to take a new risk quiz to ensure the current risk of the portfolio is still appropriate. For clients who are retired and taking portfolio withdrawals, we set aside enough cash in their short-term bucket for one year's worth of withdrawals, which helps us fund their cash flow needs without needing to sell investments in down markets. Get the scoop — Sign up for our weekly newsletter Rebalancing Your Portfolio to Stay On Track So you've established an asset allocation strategy that is right for you, but at the end of the year, you find that the weighing of each asset class in your portfolio has changed. What happened?Over the course of the year, the market value of each security within your portfolio earned a different return, resulting in a weighting change. Portfolio rebalancing is like a tune-up for your car: it allows individuals to keep their risk levels in check, minimize risk, and maximize opportunity. Book a Consultation What We Believe In Low Cost - We believe in keeping the investment costs as low as possible. We typically favor exchange traded funds (ETF) because of their low internal expense ratio. When using mutual funds, we use the lowest cost institutional share class and always use no-load or load-waived funds.Take Diversification to the next level - When people hear diversify, they think about owning many different asset classes, such as Large, Mid and Small cap to International, emerging markets and bonds. We believe in taking that to the next level. We don't want to just own different asset classes, we want to own different strategists. Active vs Passive vs Smart Beta as well Alpha-focused and Downside-aware.We are your CFP and we partner with hundreds of CFAs - Through our relationship with TD Ameritrade we have access to many teams of Chartered Financial Analysts (CFA). A CFA is considered the gold standard in the field of investment analysis. By partnering with them, we can let them do what they do best so that we, as the Certified Financial Planner (CFP) can do what we do best.