Holistic Wealth Management Process
Rapport Financial is a fee-based registered investment advisor, headquartered in San Francisco, CA. We offer investment management, financial planning, and stock based compensation advisory services to both individuals and families for a simple, fully transparent fee. We work closely with technology industry professionals holding various forms of stock based compensation including: Restricted Stock Units (RSUs), Incentive Stock Options (ISOs), and Non-Qualified Stock Options (NSOs).
Rapport means “a close and harmonious relationship in which the people understand each other’s feelings and communicate well” and was selected as the name of our firm because effective communication is paramount to a successful and long-lasting advisor-client relationships we strive to build.
Our best client relationships are built on effective communication and the implementation of our three-step process.
1. Assess Risk Tolerance. Build Rapport.
Initial meetings are designed to obtain a deep understanding of a client’s investment mindset (views on risk), investment approach (views on loss) and investment purpose (who/what they are investing for). During this initial stage of discovery, which we call “building rapport,” we focus on defining a client’s life priorities. Then we have clients complete an investor risk tolerance questionnaire designed to assist with identifying their true risk tolerance and time horizon for investment.
2. Financial Planning and Analysis
Planning is arguably the most critical element of wealth management. During this step, we help clients establish individual and family objectives for education spending, cash flow management, tax, retirement planning, and more. We then assist clients with putting together a comprehensive financial plan leveraging our state-of-the-art financial planning software and mobile app so they can see their complete financial picture.
3. Portfolio Construction. On-Going Management.
The third and final step is recommending and implementing the investment portfolio with client-appropriate risk parameters. The process doesn’t end with portfolio implementation. As a fiduciary, we continue to monitor your portfolio and perform the following services, always putting your financial well-being first.
- Manager and strategy selection
- Asset allocation
- Portfolio rebalancing
- Tax-loss harvesting
- Monitoring and portfolio maintenance
- Consolidated performance reporting