Whether your goal is financial independence, funding future college costs, or retirement planning, developing an investment plan is a crucial component to building wealth.

Tower Asset Management will help you to define your financial objectives through initial and ongoing counsel. By developing an investment plan and policy, you will be empowered to begin your journey to financial success.

STEP 1: PLANNING

Sound investment planning begins with an evaluation of your objectives, time horizon, and risk tolerance. Your feedback to these discussion points will set the framework for your investment plan.

Objectives

Tower's use of state-of-the-art financial planning software is an effective tool to help define your objectives. By entering a series of inputs, Tower can create a projection of your retirement assets and income levels. Once a set of goals has been established, we can begin to make an assessment of which assets are most appropriate for your portfolio. Whatever your objective may be, we can offer our insight to the most effective asset mix.

Time Horizon

The desired amount of time until you reach your financial goal is critical in designing an appropriate investment strategy. Given a desired time horizon, we can assist you in creating asset and cash flow projections to determine the feasibility of your investment plan.

Risk Tolerance

Equities, fixed income, and cash will be the primary asset classes used to create your portfolio. Each asset has very different risk and expected return characteristics. Combining and utilizing these asset classes in varying degrees allows Tower to effectively manage the risk in your portfolio. We will discuss with you the differences in each and help you to determine your personal comfort level in each.

STEP 2: ASSET ALLOCATION RECOMMENDATION

Asset allocation is the practice of distributing capital among different types of asset classes (i.e. stocks, bonds, cash). Asset classes have their own unique risk/return characteristics and tend to move in different directions at different times and in varying degrees. Therefore, it is important for investors to study individual asset class behavior as well as combinations of asset classes in the context of their own risk tolerance. Asset allocation can reduce overall portfolio risk while creating a more consistent expected return. After you have made an assessment of your circumstances and set financial goals, we will translate your investment profile into an allocation of assets that is appropriate for you.

STEP 3: MONEY MANAGEMENT

After determining the appropriate blend of assets for your portfolio, an Investment Policy Statement, a written plan documenting each client’s specific objectives, risk tolerance, personal preferences, tax guidelines, restrictions, etc. is developed. Tower's portfolio managers then implement the investment strategy that we have created for you. Accounts are constantly monitored, reviewed and rebalanced to ensure that the asset classes within your portfolio are inline with your target allocations.

STEP 4: EVALUATION

The best investment strategy is one that is flexible and capable of adjusting to your needs. Only through regular consultation and evaluation of your objectives, time horizon, and risk tolerance can your portfolio truly stay focused on working to meet your financial goals.

The Quarterly Review

Every quarter you will receive a comprehensive performance statement in addition to your monthly account statements which summarizes the following:

	Summary of asset class weightings
	Detailed description of securities in your portfolio
	Year to date investment history
	Summary of performance from inception
	Summary of Realized Gains and Losses

These detailed reports will provide a clear picture of exactly how your assets are invested and how they have performed. In addition, a quarterly newsletter is also provided to communicate our perspective on the issues that may affect your portfolio. By tracking your investment progress and regularly reviewing your long-term objectives, our investment professionals can advise on adjustments to your strategy when ppropriate.

Accountability

In addition to your regular reports, the investment professionals at Tower Asset Management are available to address your specific issues. Whether by phone, fax, or in person, your Tower representative can serve as a resource for information and guidance. In addition, we invite our clients to participate in periodic portfolio reviews. These sessions serve as a financial check-up to ensure that the original objectives and planning still apply.

GETTING STARTED

Please contact your investment professional or Tower Asset Management to schedule an appointment for your initial consultation. Key topics for this initial meeting will include a discussion of your current investment plan and how it relates to your long-term financial objectives. Based on this discussion, a Tower Asset Management representative will prepare your personal asset allocation proposal, retirement planning worksheet, and the necessary forms to establish your account.

Should you have any questions, please contact your investment professional or Tower Asset Management directly.