Our Investment Advisory Process
turns your goals into a clear, actionable plan
How We Work With You
Every relationship at Estate & Trust Advisors begins with understanding. We start by listening — to your goals, your priorities, and your financial realities. From there, we design a plan that connects investments, income, and taxes into one cohesive strategy. Our role is to simplify complexity, guide decision-making, and ensure every recommendation aligns with your best interests as a fiduciary.
Our Five-Step Advisory Process
Define Your Risk Profile and Objectives
We start with a personal consultation — often including your CPA or attorney — to understand your goals, timeline, and comfort with risk. This forms the foundation for your investment plan.
Set Your Investment Policy Statement (IPS)
Your IPS defines how your assets are managed. It outlines allocation targets and guides decisions to help achieve returns aligned with your goals and tolerance for risk.
Diversify Across Asset Classes
We build a diversified portfolio based on your IPS, using our custom-built models and research driven selection of investments to balance growth and limit volatility.
Monitor, Rebalance, and Reallocate
Your portfolio is reviewed continuously. When allocations move outside target ranges, we rebalance to keep investment holdings aligned; when we enter a Bull or Bear Market we reallocate to align with market cycles to protect assets.
Communicate and Report
You receive detailed statements and quarterly performance updates. Regular meetings keep you informed and ensure your investment plan adapts to market cycles.
What does it mean that you’re a fiduciary?
Being a fiduciary means we are legally and ethically bound to act in your best interest. Every recommendation we make is guided by your goals, not commissions or product sales.
How often will my portfolio be reviewed?
We monitor portfolios continuously and reallocate as needed to stay aligned with your Investment Policy Statement. Formal reviews occur quarterly, with additional meetings whenever your life or goals change.
What can I expect in our first meeting?
Your first conversation focuses on understanding what you want your wealth to achieve. We’ll discuss your goals, comfort with risk, and financial priorities. It’s a chance to see if our approach and team are the right fit for you.
Can you coordinate with my CPA or attorney?
Yes. Collaboration is central to our process. We work alongside your existing professionals to ensure your investment, tax, and estate strategies are coordinate between your professional Advisors.
How do you report performance?
You’ll receive detailed monthly statements and quarterly performance reports through our secure client portal, along with ongoing communication from our team.
