To ensure the needs of our clients are met, we begin our investment process by evaluating and understanding their risk tolerance. To do this, we gauge our clients' attitudes toward risk within the context of a psychological evaluation. The questionnaire we use was developed in an academic environment and helps us gain more insight into our clients' financial attitudes, values, motivations, preferences and experiences relating to investing.

Armed with the information from the questionnaire, we can more accurately determine an effective investment strategy for our clients. Once a strategy has been crafted and written Investment Policy Statement is in place, we assume all day-to-day decision-making with regard to specific investment allocations and portfolio rebalancing.

Our allocation process provides true diversification across asset classes, geographic location, industry sectors and individual securities. And, because your investment plan is a living document, we continually monitor your portfolio to ensure that an appropriate balance between risk and reward is maintained.

Once portfolio construction is complete, you will have the option of receiving informative quarterly reports and comprehensive account statements. In addition, you will receive monthly statements from our custodian, Schwab Advisor Services, a division of Charles Schwab & Co. All ongoing administrative functions related to your investment accounts will be handled by the professional staff of D. L. Blain & Co., LLC.