It is important that investments be structured in a manner that is consistent with your goals, risk tolerance and economic conditions. The portfolio should be tax-efficient and well-diversified across multiple asset classes, styles and appropriately matched to your expected time frames. Tobin Investment Planning LLC invests in a combination of evidence-based funds and passive index funds which are well-diversified low-cost investment solutions. In addition, we utilize active managers in less efficient asset classes who seek excess returns after both fees and taxes without substantially adding to the portfolio’s risk profile.

Determine Goals and Objectives

  • Current goals and objectives
  • Future goals and aspirations
  • Review current holdings
  • Determine risk tolerance and return objectives
  • Evaluate income needs

Investment Strategy Design

  • Create Investment Policy Statement (IPS)
  • Evaluate proposed asset allocation mix for risk-return and income objectives
  • Create transition plan
  • Determine optimal asset allocation location
  • Review for tax overlay, where appropriate

Select Money Manager

  • Best in class manager review and selection
  • Active management versus passive investment approach
  • Review for low expenses and transaction costs
  • Portfolio construction

Monitor

  • Conduct continous due diligence and monitoring of managers
  • Rebalance allocation mix, as needed
  • Recomend changes in investment strategy, as needed
  • Client communication

“The individual investor should act consistently as an investor and not as a speculator.”  Benjamin Graham, legendary value investor.