• Assess- The world is getting smaller. World events affect and influence domestic and international markets more quickly and more profoundly than ever. KWB monitors economic data and policy and reviews periodicals, newsletters and other institutional allocation models to formulate a balanced approach to “big picture” investing. Asset categories and investment vehicles are then scrutinized and reviewed to optimize individual portfolios in each asset category – “little picture” investing.

• Determine- After the KWB Wealth management team assesses the data, they collectively make asset allocation weighting decisions in various portfolios. Investment vehicles in all asset categories are reviewed and monitored and changes are mutually agreed upon. This collaborative effort helps ensure that reason, discipline and a well thought out process drive all asset allocation decisions and/or changes.

• Implement- High-tech, high-touch, up-to-date technological systems enable us to gather information quickly, which in turn allows us to devote more time to the essential activities of assessment and collaboration. For instance, agreed upon actions, such as position reductions or sells, can be executed in either a block or individual manner. By increasing efficiency and accuracy, our systems (high-tech) allow our Wealth Managers to spend more time with clients (high-touch) on personalized investment and estate planning solutions.

• Monitor- Whether we are caring for our automobiles, our gardens or our portfolios, maintenance is essential for proper upkeep. Our Wealth Managers practice proactive internal monitoring to help ensure proper asset allocation and investment vehicle selection.

• Adjust- Frequent monitoring allows our Wealth Managers to make small or large adjustments based on the investor’s tolerance for risk and volatility, time-frame and any unique liquidity requirements a client may have.