The Munn Gray Dynamic Allocation Investment Process™

Our proprietary process is a structured, unemotional investment process that combines asset allocation, a focus on relative strength, rebalancing and diversification to help develop and implement a customized financial plan capable of addressing your needs and risk tolerance in a tax-efficient, economical manner.

It provides a proactive approach which includes a selling strategy that can help make your portfolio more conservative when we feel conditions warrant it, and help reduce the chances that your portfolio suffers an unrecoverable loss. This process also provides tactical modifications that could allow your portfolio to benefit by emphasizing asset classes that are outperforming (relative strength).

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Asset Allocation

Asset allocation is a long-term strategy designed to help investors achieve their financial goals without assuming undue risk. By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent, positive return over the long term.
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The investments in your portfolio will perform according to the market. Over time, your portfolio’s current asset allocation will deviate from your original target asset allocation.
We typically rebalance portfolios on an annual basis to bring them back in line. Rebalancing a non-retirement account could be a taxable event that may increase your tax liability.
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Relative Strength

Relative strength is a measurement of performance relative to a benchmark or to the rest of the universe. Relative strength can be used to find the strongest trends in a market or to identify the strongest asset classes or sectors in a given universe.

Comprehensive Planning

To develop your financial plan, we follow a comprehensive, six-step process. It is designed to help us develop a true sense of who you are and what you expect, so that we can build a unique strategy to see you through the saving, growth and, ultimately, the careful distribution of your retirement income.

Understanding the Client's Personal and Financial Circumstances
Identifying and Selecting Goals
Analyzing the Client's Current Course of Action and Potential Alternative Courses of Action
Developing the Financial Planning Recommendation(s)
Presenting the Financial Planning Recommendation(s)
Monitoring Progress and Updating

Our Approach

We will work with you to develop and implement a customized financial plan that uses a proactive approach designed to take action during market volatility.

Each member of our team brings their individual area of expertise, from planning to investments, insurance to retirement plans. It is our ultimate goal to help you reach your financial dreams. We would love to schedule a consultation to see how we can assist you.

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Relationship Management: A Consistent Focus on You

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Regular Meetings

We have regularly scheduled meetings with clients to discuss more than just portfolio performance. Each meeting will have different agenda items so that we can focus on relevant aspects of your financial life as appropriate. For example, one meeting might address retirement planning and beneficiary designations, while another might discuss tax planning strategies and maximizing Social Security benefits.

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Progress Tracking

Tracking your progress is an important part of reaching your goals. If you know whether or not you’re on target, you can more easily make necessary modifications to your financial plan to bring you back in line.

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Effective Communications

We pride ourselves on providing clear, consistent communication tools to help you monitor the progress of your financial plan and investment accounts. Enjoy informative monthly newsletters, regular educational seminars & webinars, and a client portal featuring real-time account information, progress-tracking toward financial goals, unlimited document storage, and easy aggregation of all your accounts — allowing you to see your entire financial picture in one place.

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Coordination of Your Financial Team

One key service we provide is coordination among the other professionals who are involved in managing your financial matters, including CPAs, estate planning attorneys, insurance professionals and others. It allows for a more cohesive and complete financial picture and can save you time, maximize your options and help reduce stress.