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Our Process

Six Step Process for Investment Management

At Foldes Financial Management, we use the following process as we design, create, and implement our clients' portfolios. We believe that this disciplined approach is the foundation for achieving our clients' goals and objectives, and the correct approach for managing financial wealth. 

Identify the Client`s Objectives

We begin by analyzing the client`s overal financial needs while understanding their need for income and growth.  An understanding of the client`s tax implications is also considered.  The objectives are obtained through discussions with the client and a quantitative analysis of his/her portfolio and situation.

Analyze the Client`s Attitude Regarding Risk

We assist the client in completing a Risk Tolerance Questionnaire that is used to determine the type of portfolio that is best suited for the client based upon his/her risk tolerance.

Prepare an Investment Policy Statement

The Investment Policy Statement (IPS) illustrates the client`s objectives and expectations.  The IPS provides a record of the clients investment strategy and an asset allocation model that reflects this strategy.  Objectives, risk tolerance, investment time horizon and due diligence for manager selection are also part of the IPS.

Select Specific Manager`s for the Client`s Portfolio

Manager`s are selected with a heavy reliance on institutional managers because of their professional management, their long-term track record and proven performance.  We are careful to analyze the manager`s consistency in earning above average returns while assuming lower risk than other manager`s within a similar peer group. 

Invest the Client`s Assets

Great diligence is taken to assure the accuracy of the desired investments.  Our investing is conducted via the internet or other electronic channels in order to minimize any potential transaction related charges.

Report, Monitor and Review Quarterly and Make Changes as Needed

We constantly ensure that our clients` objectives and goals are being met by monitoring our clients` portfolios on an ongoing basis.  Each quarter, our clients receive a detailed Quarterly Performance Report that reviews their performance, asset allocation and transactions during the previous three months.  This Quarterly Performance Report assesses our clients` portfolio against various benchmarks and each clients own performance objectives.