Our Process

Goal Identification

Pinpointing your financial goals is key to determining how to improve, develop, or change your current investments. In our initial meeting, we will get to know you on a personal level, as we strive to understand how your financial objectives will shape your life.

Risk Analysis*

Taking into account your timeline for your goals, we use Riskalyze software to calculate and capture your true risk tolerance. This risk assessment consists of 15 hypothetical scenarios that seek to comprehend where you prefer a particular level of gain or loss versus taking a particular risk. After you have completed the questionnaire, you are assigned a number from one to 99, with the higher numbers indicating higher risk. Our team then examines this data to lay the groundwork for plan development.

* Risk tolerance is an investor's general ability to withstand risk inherent in investing. This risk tolerance questionnaire is designed to determine your risk tolerance and is judged based on three factors: time horizon, long-term goals and expectations, and short-term risk attitudes. The adviser uses their own experience and subjective evaluation of your answers to help determine your risk tolerance.

Plan Development

Once we quantify your risk tolerance, we engineer a plan that ensures your objectives and your level of comfort are in sync with one another. This involves putting your current portfolio through a stress test to discover whether or not your investments match your risk tolerance. Next, our team makes suggestions as to how we can alter your investments to craft a customized portfolio that better corresponds with your risk number.

Strategy Selection

Our advisors are dedicated to finding process-driven strategies that have proven to be successful for our clients. After educating you on our top strategies and analyzing your options, we perform a second stress test on our proposed portfolio to compare and contrast its risk number against that of your current portfolio. Together, we then select the combination of strategies that appropriately address your needs.

Rebalancing and Maintenance*

As our ongoing responsibility to you, we rebalance your account on a weekly basis. This active approach is essential for us to stay abreast of the changes occurring in your investments. Furthermore, the eMoney account we create for you gives you the ability to access and review this same information, keeping you well-versed on your detailed financial picture.

Leap Wealth Management also proactively schedules periodic meetings to review the progress made in your portfolio. On these occasions, we reassess risk, fine tune your investment strategies, and perform necessary updates.

There is no guarantee that the risk assessment questionnaire will accurately assess your tolerance to risk. In addition, although the advisor may have directly or indirectly used the results of this questionnaire to determine a suggested asset allocation, there is no guarantee that the asset mix appropriately reflects your ability to withstand investment risk.

* Rebalancing can entail transaction costs and tax consequences that should be considered when determining a rebalancing strategy.

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