How we work with you
Our Process- Develop the relationship:
- Gather data and client goals:
- Analyze and evaluate client’s current financial status:
- Develop and present financial planning recommendations and possible alternatives:
- Implement the financial planning recommendations:
- Monitor, monitor, monitor:
During our initial meeting, our primary objective is to listen; taking an inventory of your plans and dreams so that together we can articulate them into investment form. This is also the stage in our process that we delineate our team’s capabilities and what your expectations from our partnership should be.
During this stage we gather data relating to your needs, goals, current investments and investment objectives.
After gathering data, we evaluate our client’s current financial status, determine risk tolerance, investment time horizon, cash flow needs, as well as many other factors before making appropriate recommendations (if necessary).
During the recommendation phase, we present a written plan that graphically illustrates projected cash flow, expected rates of return, and the portfolio’s measure of relative risk. We factor in historical tax rates, life expectancy, inflation rates, as well as other factors based on the current market environment, economic trends and historical and empirical data. We then allow our client time to digest the mass of information before presenting us with questions and/or concerns.
After answering any and all questions and/or concerns, it’s time for implementation. During plan implementation, we pursue the approach to purchasing investments that best fits our client’s risk tolerance (i.e. dollar cost averaging, one time purchase, etc.).
We believe that monitoring and periodically adjusting the portfolio is one of the most important aspects of our process. Our clients meet with us semi-annually (minimum) or as frequently as required to make appropriate adjustments to the portfolio.
A Tradition of Excellence Since 1854
Established in 1854, J.J.B. Hilliard, W.L. Lyons, LLC is one of the oldest regional firms of the New York Stock Exchange. The company’s rich history can be attributed to many factors, none more important than our commitment to providing unrivaled advice and service to every investor.
Over the years, hundreds of thousands of individuals, as well as large institutions, banks and pension plans have entrusted their assets to Hilliard Lyons. Why? Because of our dedication to them. We will take the time to fully understand your personal financial situation before presenting our carefully considered recommendations for your individual needs.
Hilliard Lyons is a full-service financial institution engaging in virtually every phase of the investment field, offering stocks, bonds, options, retirement plans, money market funds, mutual funds, trust and estate planning, investment banking and investment management. Additionally, we offer a superior level of service in delivering the highest quality products for our clients.