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The SAM Process

Strategic Asset Management (SAM) leverages an extensive consultative process that focuses on understanding and meeting your needs. This goal-oriented process follows a comprehensive, four-step approach.

 
 
  1. Define Your Goals and Objectives
    Together, you and your financial advisor will work to determine your customized financial solution taking into consideration the following:
    • Investment goals
    • Risk tolerance
    • Time horizon
    • Performance expectations
    • Income needs
    • Liquidity requirements
    • Tax considerations
    • Current investments
  2. Determine Your Investment Strategy
    Accessing the expertise of world-class research strategists, your financial advisor will identify the most appropriate investment solution, applying the concepts of:
    • Asset allocation
    • Diversification
    • Risk/reward characteristics of asset classes
    • Correlation between asset classes
  3. Build Your Portfolio
    Next, your financial advisor will begin building a portfolio of investment vehicles designed to meet your specific needs. Security selection includes:
    • Mutual funds
    • Individual stocks and bonds
    • Managed futures
    • A no-load, multi-manager variable annuity
    • Margin
    • UITs
    • Currently held investments
  4. Manage and Monitor Your Portfolio
    Once your investments are in place, the process of monitoring and managing your portfolio begins. This includes:
    • Regular meetings and discussions
    • Active ongoing portfolio reviews
    • Periodic re-examination of your investment strategy
    • Rebalancing decisions
    • Consolidated quarterly performance reports
 

Terms & Conditions

Financial Consultants are registered with and securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. North Island Credit Union and the Investment Department at North Island Credit Union are not registered broker dealers, nor are they affiliated with LPL Financial. Representatives are employees of North Island Credit Union and registered through LPL Financial. North Island Credit Union CA Insurance license #0719223.

Not NCUA InsuredNo Credit Union GuaranteeMay Lose Value

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Arizona, California, Colorado, Florida, Georgia, Idaho, Nevada, New Jersey, New York, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington.