Four Phases of Investment Planning

The Initial Phase of our structured process includes:

• First, inventory all investment, financial, real estate and business assets
• Next, R⁴ will analyze the assets at an aggregated and individual account level basis with a
  focus on:
  • Performance, fees, and risk (i.e. concentration/diversification, inflation, cyclical positioning, interest
    rate exposure)
• Lastly, these findings and reports are shared with you

The Second Phase includes:

• Working with you to “drill down” on the existing consumption pattern and to forecast the post-retirement
  consumption needs
• Working with you to learn about your investment/financial philosophy, risk tolerance and to further “drill
  down” on all assets and accounts
  

The Third Phase includes:

• Engaging with you with the goal of helping to eliminate the unnecessary risks that were identified in the prior
  phases
• Using your input, R⁴ will develop a strategy to determine if it is possible to align the priorities and
  objectives:
• R⁴ has successfully created a strategy if the projected cash-flow equals or exceeds the desired
  cash-flow given the client’s risk profile
• The difference between your current portfolio and the model portfolio will be the basis for any investment
  recommendation

The Fourth Phase includes:

• Quarterly investment reviews (in-person preferably)

No strategy assures success or protects against loss.