Our Process
“Life is a journey. When we stop, things don’t go right.”
– Pope Francis
At Ramsey & Associates, we believe a thoughtful and disciplined process is the hallmark of a sound financial plan. Getting to know you is an integral part of our financial planning process. Our approach, designed to help you achieve long-term financial success, is implemented in three phases.
– Pope Francis
At Ramsey & Associates, we believe a thoughtful and disciplined process is the hallmark of a sound financial plan. Getting to know you is an integral part of our financial planning process. Our approach, designed to help you achieve long-term financial success, is implemented in three phases.
PHASE I: Planning
1. In a two-hour initial meeting, we learn about each other as we:
a. Assess and analyze your personal and financial goals
b. Gather data about your current resources and obligations
c. Review your risk assessment questionnaire
d. Address any questions you may have about us
e. Schedule a presentation meeting
2. In between meetings we do the bulk of our planning. Activities include:
a. Developing an asset-allocation recommendation
b. Laying out specific investment recommendations
3. In the presentation meeting, you hear and review our strategy where we will:
a. Present our recommendations
b. Explain the rationale behind our recommendations
c. Encourage and address questions until you confirm that and are fully comfortable with the various decisions you are making based on our expertise
d. Decide with you your target asset allocation
e. Determine a time frame for implementation of the investment plan
f. Go through your Life Planning Projection, if requested, so you can understand how your strategy meshes with your financial goals and dreams
g. Decide and schedule the next step in the implementation phase, as necessary
PHASE II: Implementation
4. We work with you to do the footwork necessary to implement your plan:
a. Open accounts and complete paperwork
b. Transfer assets and monitor these transactions
5. Once assets are available, we implement your plans by placing trades to:
a. Buy no-load mutual funds or bonds as necessary
b. Purchase individual bonds
PHASE III: Review
6. On a schedule comfortable for you, we hold periodic review meetings in which we:
a. Review any changes in personal circumstances or needs
b. Discuss any compelling market trends or events
c. Adjust your portfolio as needed
7. Each quarter we issue quarterly reports that:
a. Show the performance of all accounts under management
b. Break down performance: since inception, quarterly, and year-to-date
c. Show realized losses and gains
The R&A Difference
We believe what separates Ramsey & Associates, Inc. from other companies and organizations is our deep commitment and proud track record in serving clients individually, not as part of a pack. Our solutions are personalized, sensible, empowering and grounded in discipline and forethought. Every step we take is determined by an investment strategy that you approve and which considers your needs and your dreams.
Because Ramsey & Associates, Inc. is a member of the National Association of Personal Financial Advisors and All Financial Advisors, you can be assured that we are committed to placing your interests first.
1. In a two-hour initial meeting, we learn about each other as we:
a. Assess and analyze your personal and financial goals
b. Gather data about your current resources and obligations
c. Review your risk assessment questionnaire
d. Address any questions you may have about us
e. Schedule a presentation meeting
2. In between meetings we do the bulk of our planning. Activities include:
a. Developing an asset-allocation recommendation
b. Laying out specific investment recommendations
3. In the presentation meeting, you hear and review our strategy where we will:
a. Present our recommendations
b. Explain the rationale behind our recommendations
c. Encourage and address questions until you confirm that and are fully comfortable with the various decisions you are making based on our expertise
d. Decide with you your target asset allocation
e. Determine a time frame for implementation of the investment plan
f. Go through your Life Planning Projection, if requested, so you can understand how your strategy meshes with your financial goals and dreams
g. Decide and schedule the next step in the implementation phase, as necessary
PHASE II: Implementation
4. We work with you to do the footwork necessary to implement your plan:
a. Open accounts and complete paperwork
b. Transfer assets and monitor these transactions
5. Once assets are available, we implement your plans by placing trades to:
a. Buy no-load mutual funds or bonds as necessary
b. Purchase individual bonds
PHASE III: Review
6. On a schedule comfortable for you, we hold periodic review meetings in which we:
a. Review any changes in personal circumstances or needs
b. Discuss any compelling market trends or events
c. Adjust your portfolio as needed
7. Each quarter we issue quarterly reports that:
a. Show the performance of all accounts under management
b. Break down performance: since inception, quarterly, and year-to-date
c. Show realized losses and gains
The R&A Difference
We believe what separates Ramsey & Associates, Inc. from other companies and organizations is our deep commitment and proud track record in serving clients individually, not as part of a pack. Our solutions are personalized, sensible, empowering and grounded in discipline and forethought. Every step we take is determined by an investment strategy that you approve and which considers your needs and your dreams.
Because Ramsey & Associates, Inc. is a member of the National Association of Personal Financial Advisors and All Financial Advisors, you can be assured that we are committed to placing your interests first.
Read the FAQ section for additional information.
