The Heritage West Process
At Heritage West Capital, we work closely with clients to find individualized financial strategies to respond to the challenges found in dynamic markets. We are willing to take the time to discover our clients' real needs and concerns.
When we assess new opportunities that might potentially enhance clients' portfolios, we consider not only the opportunity, but the market and the individual client. We believe this approach keeps our focus aligned with our clients' best interests and still lets us remain open to new and better ideas.
New investment ideas come from a variety of sources. But no matter where an interesting and potentially rewarding idea comes from, we follow this process before making any recommendation to clients:
- Due Diligence - SagePoint performs due diligence on securities products before they are approved for use with clients. Then Mr. Arutt performs personal due diligence by meeting in person with individuals involved with the transaction. He also studies third party reports, where available.
- Analysis - To analyze a transaction's structure, we check to make sure that the documentation matches the promises with the risks.
- Teamwork – We frequently discuss and review investment and insurance opportunities with other financial professionals, such as our clients' CPAs or tax advisors, to get an independent point of view as to suitability, risks and rewards, prior to making client recommendations.
- Personal commitment* – We ourselves own many of the financial products that we recommend to our clients, and disclose this fully to our clients.
Although we examine new investment opportunities every week, only a few make it to our recommended products list.
*Although products may be owned by the advisors, this does not constitute an endorsement or guarantee results. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.