"In the financial world, risk management is the process of identification, analysis and acceptance or mitigation of uncertainty in investment decisions. Essentially, risk management occurs when an investor or fund manager analyzes and attempts to quantify the potential for losses in an investment and then takes the appropriate action (or inaction) given his investment objectives and risk tolerance."

 -Investopedia

Recently, while meeting with prospective clients, we have observed a heightened level of stress that appears to stem from three specific areas:

• Uncertainty that their financial goals can actually be met
• Feeling that they have lost control of their current financial situation
• Worry that their retirement income won't be enough

That is why we consider the discussion of risk management to be one of the most important conversations we have with our clients.

We can analyze your current assets, discuss your future needs, and basically align your resources with what we consider realistic goals through selecting the appropriate investment strategies, implementing them with a custom investment portfolio, and monitoring it. But while we can prepare you for the future, we can't predict it.

Protecting you from unexpected, unwelcome, and unfortunate events goes hand in hand with asset management. What would happen, and how would it impact you and/or your family, were any of the following to occur?

• loss of your job or laid off
• your or your spouse's (partner's) premature death
• sudden death of a business partner
• a serious injury or illness
• personal disability
• assuming the care and expense of a family member
• theft of valuable personal property

Properly identifying, evaluating, and addressing potential hazards on the road ahead is an integral part of our 360-degree approach to wealth management.