Wealth Management

There are two times in a man’s life

when he should not speculate:

when he can’t afford it,

and when he can.

-Mark Twain

Building Your Wealth Management Team

We employ a team approach when building the Wealth Management Team for our clients.Our team consists of four key members:(1) You as our Client, (2) our Firm as your Investment Advisor, (3) a Portfolio Strategist, and (4) an Investment Manager.The development of your Wealth Management Team is designed to bring significant capability to each and every decision made in the ongoing management of your investment strategy.

A Sports Team Analogy

Institutions and high net worth investors, like sports teams, use the services of a skilled “team” of professionals to guide them through the process.

Investment Management Team	Professional Sports Team
Investor	Team Owner	The Owner is the person with all the money.The Owner is the reason we are all here in the first place.
Investment Advisor	General Manager	The General Manager (Emerald Financial) selects the strategist/coach and communicates all the high level information from day to day activities to the busy owner.
Portfolio Strategist	Coach	The Coach is responsible for developing a strategy or game plan.The best possible players are then selected to carry out the game plan.The coach ensures that the right chemistry exists between players selected.
Investment Managers	Players	The Players will be the best possible choice at each position.This will ensure that a “Best of Class” Team is in place at all times and is constantly being monitored by the coach.

Additional Resources To Download (requires Acrobat Reader)

To download Acrobat Reader 6.0, click here.
To view our informative presentation on Building a Successful Investment Strategy, click here.
To view a Sample Proposal for Investment Services we prepare for our clients, click here.
To view a Sample Client Quarterly Report that we provide our clients, click here.

Team Members and Responsibilities—Additional Detail

Our role as your Investment Advisor will be to:

• Analyze your current financial situation

• Assist in determining your Risk/Return Profile

• Prepare a written Investment Policy Statement

• Monitor the asset allocation and manager selection decisions

• Communicate the reasons for changes to your portfolio

• Deliver Quarterly Performance Reports

• Monitor performance relative to your goals and objectives

• Suggest changes to your investment strategy when and if your financial circumstances change

The Portfolio Strategist will:

• Select asset classes

• Determine the target asset mix

• Analyze investment managers for style and performance

• Select and monitor investment managers

• Reallocate and rebalance portfolios

The Investment Managers will:

• Conduct research and analysis on the securities being considered for purchase or sale

• Maintain a disciplined investment process and consistent investment style

• Provide competitive performance to peer group or asset class benchmark