Investment Management

The Pearl Planning Investment Process

Personal Investing Needs

Goal for investments
Approach to risk
Personal preferences
Tax circumstances
Investment policy statement
Cash needs (deposits or withdrawals expected)

Professional Investment Management

Security selection with mix of passive and active investments
Maintenance of asset allocation (mix of stock and bonds)
Adjustment for market conditions

Ongoing Maintenance

Rebalance based on market conditions or drift
Monitor for expense or opportunities
At least annual meeting to review and adjust personal investment policy