Our Process Will Put You On Track To Success

Financial Planning Process

The financial planning process may seem intimidating at first. Our goal is to make it as simple as possible by taking you through OUR SIX STEP PROCESS, the Four Peaks Planning Spectrum. As you make your way through the Spectrum, you will go from financial uncertainty to clarity as each step opens up new possibilities.

1) Getting to Know You
Learning what's most important to you and clearly explaining our process and philosophy.

2) Gathering Data & Developing Goals
Collect necessary information to access your financial picture.

3) Future Objectives
Analyze and evaluate your financial status.

4) Develop Strategy
Developing and presenting financial planning recommendations and/ or alternatives.

5) Implement Plan
Implementing financial planning recommendations

6) Monitor Progress
Monitoring financial planning recommendation.

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Asset Allocation

Asset allocation is the process of spreading your money across multiple types of investments in an effort to control risk. Different types of investments respond to economic conditions in different ways. Some may do very well when the economy is humming along, but do poorly when things turn down. Others may do better when the economy is struggling. Gains in some investments are meant to offset losses in others. Asset allocation is designed to help you to better manage your risk and achieve your goals.

Your ideal asset allocation depends on several factors. As together, we move through our six-step process called the Financial Planning Spectrum, we’ll help you to determine your ideal asset allocation strategy.

Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.

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Manager Selection

There are over 10,000 mutual funds and ETFs in existence today. At Four Peaks, we have a defined process to select the funds that fit best into our strategies. There has been considerable debate over the use of active management versus passive management. Active management uses a portfolio manager and research team in an attempt to either outperform the fund’s benchmark index or to better control risk relative to their index. Passive management, also known as indexing, does not have a human element and seeks to mirror an existing benchmark index. Active management carries higher fees than does passive management and therefore must overcome those fees in order to add value for the investor. Our research has shown that active and passive management do well in different economic conditions. Rather than choose sides, our philosophy embraces both strategies in attempts to manage risk, participate in robust markets and control costs.

Our Investment Policy Committee starts selecting our funds by applying filters to the entire mutual fund and ETF universe in order to separate those funds that meet our requirements from those who do not.

The first step of our screening process includes:

  • Performance
  • Consistency
  • Manager tenure
  • Expenses
  • Style consistency
  • Risk

After we are satisfied that we have collected all of the relevant information, our Investment Policy Committee will determine which of the funds will be added to our strategies.

After investments are added to our strategies, we continuously monitor them for adherence to our criteria. If we identify that a fund no longer meets our requirements, we place the fund on a formal “watch” list, subjecting the management team to increased scrutiny and more frequent communication. At the end of this process, our Investment Policy Committee will determine if the fund should remain in our strategy or be replaced with a new fund.

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Risk Management

At Four Peaks Planning and Investments, risk management is of paramount importance. We are not trying to “beat the market”. By better controlling the ups and downs the market naturally goes through, we feel that we can help our clients meet their life’s goals over time, with less uncertainty.

By combining different types of investments in varying amounts, we can create strategies that range from conservative to aggressive. Each client’s ability to take on risk is unique and depends on many factors.

Through our six-step process, the Financial Planning, we will get to know you, your attitudes towards risk and your ability to take risk and apply this to your personalized strategy. Along the way, we will continue to educate you on key investment concepts to help you understand risk and make the best decisions for you and your family.

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