Individual Services

Financial and investment advisor representatives Matthew M. Stroup, CFP and William G. (Bill) Roll III offer in excess of 50 years combined experience in assisting individuals and families toward reaching their financial goals.  With a strong knowledge of the financial markets and the spectrum of investment vehicles and products available; Messrs Stroup and Roll make use of the latest in portfolio analytics in creating portfolios structured to weather financial storms and achieve goals while minimizing portfolio exposure to nonsystematic risk or diversifiable volatility.

Step 1

Discovery Meeting:  A face-to-face, note taking session in which Messrs. Stroup and Roll learn about an individual or families’ needs, goals, objectives, and time horizon.  Discussions touch on retirement goals, assets saved to date, college planning issues, risk management needs and other important financial planning topics.  Financial statements of portfolios are analyzed to determine quality, risk profile and expenses.

A decision is made as to whether the investment strategies in place provide prospective clients a reasonable chance of reaching financial goals.  Advice per the individual’s participation in a group retirement plan may occur in Step 1. 

Messrs. Stroup and Roll will explain any fees, commissions and expenses associated with their becoming brokers of record for any accounts and a determination is made by prospective clients as to whether Messrs. Stroup and Roll should continue in their analysis. 

Step 2

Portfolio Review:  Analyses might include asset class weighting, expense analysis, stock holding intersections, mutual fund analysis - including review and explanation of Treynor Ratio, Sharpe Ratio, R-Squared, Alpha, the Efficient Frontier and Modern Portfolio Theory. 

Prudent next steps are agreed upon in this stage.  Messrs. Stroup and Roll utilize gathered information to date to create an Investment Policy Statement.

Step 3

Investment Policy Statement Review:  Created in accordance with the client’s goals and objectives and includes: reasonable rates of return, recitation of agreed upon risk levels and agreed upon asset allocation, time horizons, and liquidity needs.  An explanation of Strategic and Tactical portfolio management is provided in the IPS and the agreed-upon approach is disclosed.

Step 4

Portfolio Creation / Account Aggregation:  All accounts requiring management by Messrs. Stroup and Roll are aggregated to a previously agreed upon custodian.  Utilizing state-of-the-art account aggregation software clients are able to view (almost) all financial accounts 24/7 via a secure website (see: 401K Participant Home Page).

Step 5

Portfolio Reviews: Messrs Stroup and Roll recommend meeting with clients at least every six months for performance reporting, rebalancing strategies and the review of the IPS to determine if there are material changes. Through-out the account management process fluid communication is encouraged.