At Investment Management & Consulting Group, our approach to portfolio management is value-driven, personalized, collaborative, and disciplined.

We begin by getting to know you: your financial goals, your family and other circumstances, your attitudes toward risk. Working closely with you and the tax, legal, and other professionals who advise you, we develop the precise investment mix best suited to you. We give you the information and tools you need to make wise decisions based on solid, long-term fundamentals. Over time, we monitor your portfolio, making adjustments so it continues to serve your evolving interests.

Management of your portfolio may also include:

More than 90 percent of a portfolio's return depends on how you allocate your assets—and insufficient diversification can leave you with more volatility than you'd like. Careful allocation analysis, taking your goals and time horizons into account, is key to getting the most out of your investment strategy.

Avoiding unplanned tax liabilities is vital to any sound investment plan. In cooperation with tax and legal advisors, we evaluate the potential impacts of various strategies to determine the most tax-efficient approach to asset sales and purchases, retirement plan distributions, and other transactions.

We assist in evaluating ownership structures and estate-related documents in light of your goals and intentions to judge whether updates or amendments are needed. Where appropriate, we suggest specialists who can draft paperwork pertinent to your situation.

In view of your time horizon, as well as your accumulations and allocations to date, we can evaluate how well you are progressing toward your retirement income goals. As warranted, we may suggest beneficial changes in your savings rate or investment strategy.

After reviewing your asset protection and beneficiary priorities, we can assess the effectiveness of your risk management portfolio and recommend ways to ensure efficient integration of your estate, life, disability, and long-term-care coverage.

97A Exchange Street • Portland, ME 04101
voice 207.774.6552 • 1.800.605.6552 • fax 207.775.2969
© 2009 Investment Management & Consulting Group