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Stephen Ostrofsky, CFP®
Ronald Mercatante
Process
Define
Analyze
Strategize
Identify Sources and Levels of Risk
Identify the Client Assets
Identify the Time Horizon
Identify Performance Measurements
Formalize
Define Investment Based on Client’s Current Circumstances
Investment Strategy Based on Implementation and Monitoring Constraints
Communicate Financial Plan and Investment Policy Statement
Implement
Division of Responsibilities between Client and Advisors
Referral of Tax, Legal and Specialized Advisors
Information Sharing Authorization
Selection of Financial Products and Services
Monitor
Compare Performance with Goals and Objectives
Analyze Costs and Benefits of Financial Advice
Examination for Conflicts of Interest
Performance Review of Money Managers
Assessment
Services
Budgeting
Insurance Planning and Risk Management
Employee Benefits Planning
Tax Planning
Investment Management
Fiduciary Investment Advisors
Rules Based Investing
Investment Policy Statement
Asset Allocation Models
“Cup with Handle” Chart Patterns
Managing Sequence of Returns Portfolio Risk
Retirement Planning
Estate and Eldercare Planning
Wealth Transfer
Eldercare Planning
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