CLIENT EXPERIENCE
Investment Management Process
Completion of a Financial Needs Analysis (FNA)
Assessment and commitment to develop Financial Plan
Scheduling of Data Gathering (DG) Meeting
Provide CIG Wealth Organizer
Validation of all information extracted during FNA & in CIG Wealth Organizer
Receive Client Documentation
- Estate Planning Documents
- Tax Returns
- Investment Statements
- Liability Documentation
- Insurance policies
Analysis by CIG Wealth Management Team
Wealth Management team analyzes Client data and Refines Client Objectives
Develop initial Client Wealth Plan – including (as applicable):
- Current Investment Portfolio
- Retirement Planning
- Risk Management Analysis (Life, Disability & Long Term Care)
- Tax Analysis & Planning
- Estate Analysis, Planning & Wealth Structuring
- Business Succession and Option Analysis
- Legacy and Charitable Giving
Initial Development of Strategies and Solutions
Roundtable discussion with CIG Wealth Management, Asset Management and Executive Team which provides a true vetting process to confirm all recommendations are in the best interest of the Client and reflects our best ideas and philosophies to meet Client goals and objectives
Scheduling of Strategy & Implementation (S&I) Meeting
Presentation of Client Wealth Plan
Discussion, prioritization and approval of strategic recommendations
Execution of Investment Policy Statement (IPS) as applicable
Execution of Investment Advisory Agreement (if appropriate)
Completion of all new account documentation
Execution of account transfer request authorizations
Coordination of asset/account transfers
Timelines established for reallocation of assets to align with IPS
Initial meeting with Client post-implementation meeting
Review Action Items completed and outstanding:
- Review Client Statement
- Education and Implementation of Online Accessibility and tools/resources available
Determine on-going meeting schedule (e.g. semi-annual
CIG Wealth Manager & Asset Management conducts ongoing review of action items to ensure alignment with IPS, goals and objectives
Ongoing team validation of strategy and solutions
Investment Committee meet bi-weekly to review Capital Markets and Client portfolios for opportunities to protect and enhance wealth
Schedule Performance Review/Planning/Client Meeting
Ongoing regularly scheduled client meeting
Provide portfolio review reports;
Assess progress to plan and make adjustments as needed;
Schedule next meeting as agreed
