With an understanding that every client’s needs are unique, XML Financial Group strives to provide the most customized and consultative investment management service possible. To achieve this, our financial consultants maintain an ongoing dialogue with all clients to ensure that investments are suitable and aligned with the client’s specific needs and goals.
General steps in the investment management process include:
Step 1 – Review Current Portfolio
The financial consultants at XML will first review a prospective client’s current investment portfolio. In an effort to ensure that the investments are suitable and income generating, XML Financial Group works to identify areas for improvement such as a lack of diversification, appropriateness of investments, underperformance and fees.
Step 2 – Construct Optimal Portfolio
Next, the XML financial consultants work with the client to design and develop the optimal portfolio based on a complete picture of their unique financial needs. As each client is different, our financial consultants customize each client portfolio. Regardless of whether it is an individual, business, or non-profit, XML Financial Group takes into consideration important details such as: investments held in 401(k), cash need, and risk profile.
Step 3 – Execute
The third part of our financial management process involves the actual construction of a client’s optimal portfolio. As it is the goal of XML Financial Group to make the process as seamless as possible, we provide the documentation to set up and transfer your accounts. Our financial consultants also take all investment implications into review, for example, tax liability, timing considerations, and unique preferences. Upon approval, we execute the appropriate transactions to optimize the client’s investment portfolio.
Step 4 – Monitor, Review, and Adjust
Finally, our team provides ongoing and collaborative support to clients in every aspect of their financial well-being. As financial issues, concerns, and questions pop up over time, XML Financial Group works with clients to regularly review their portfolio and make appropriate changes as needed.