At Sea Clear Financial Planning, our Investment Planning approach is to build an investment portfolio that is capable of accomplishing our client’s financial goals while matching the level of risk in the portfolio to our client’s tolerance for risk. That is why the first step in our investment planning process is to discuss risk tolerance and financial goals with our clients. Next, after reviewing our client’s current portfolio, we identify and discuss their current asset allocation. Then, if necessary, we recommend a new portfolio that is more suitable based on their goals, risk tolerance and time horizons. Lastly, we discuss how as a Retainer Client, we would implement and manage this new recommended portfolio.