Our Process
Since every client is unique, we begin by helping each client define their investment objectives
and important constraints. We accomplish this by going through a complete analysis of the
client’s financial situation, long before we ever discuss what portfolio changes might be
necessary. This process helps us devise specific strategies for each client and is dynamic over the
life of the relationship. As client needs evolve, we make portfolio adjustments to match the
changing client circumstances.
We start by getting to know our clients; their needs, their aspirations.
This means asking a lot of questions and listening. If it seems that we take
more time to get to know our clients, it is because we do.
For instance:
• What are some of the special considerations that we must take into account
when constructing your portfolio?
• Will you be caring for elder parents or their estate?
• Do you have a special needs child that needs to be cared for?
• What are the tax ramifications of liquidating a large single holding?
• Is there a business that you are selling or other lump sum payment you
will receive?
• Are you looking to create a legacy and if so would that be better served by creating
a Foundation or Donor Advised Fund?
Additionally, every client has a written and signed Investment Policy Statement that
specifies the investment objective, risk tolerance, required cash flows, asset allocation, and
any other items unique to their situation. This Investment Policy Statement is regularly
reviewed and updated as required by both Bluemont Capital Advisors, LLC and the client.
Financial Planning
Bluemont Capital Advisors, LLC undertakes a complete analysis of each
client’s financial picture. In doing so, we frequently uncover other areas of
financial planning that require attention. Thus, we can assist you on such
broader matters as:
• Retirement Planning
• Estate Planning
• Charitable Giving
• Risk Management
• Education Planning
• Asset Management and Tax Planning
• Small Business Planning
• Executive Compensation and Stock Options