Our Financial Planning Approach  |   Advisors  |   Clients  |   Optimal Choice Funds Our Financial Planning Approach We manage individual client portfolios much the same way as we manage wholesale client portfolios. Each client will have a strategic asset allocation that has been constructed to match their risk and return objectives. Thee objectives would have been determined in consultant with their advisor. To ensure that the allocations are adhered to in every portfolio they will be monitored to ensure that they fall within a tolerance range. To provide a high quality portfolio management service to individual client and ensure that their goals can be achieved it is essential that the risk in their portfolio be monitored throughout their strategic asset allocation. After thorough analysis of the Investment Strategy process, forecasts of market returns, risk and correlations can change (this does not occur regularly) and this will have an impact on the risk of the portfolio. These changes must be managed and implemented efficiently to provide the optimal solution for clients. A change to the strategic asset allocation can also be implemented due to changing client circumstances. This is called dynamic asset allocation and is initiated through a change in clients’ individual circumstances that results in a change in their objective and risk profile. For example, a client may shift the emphasis from growth to income as they reach their retirement years.