Trust Services Twin Cities Final

A Disciplined Approach Our approach to asset allocation and diversification is based on one simple insight. No one asset class or style always outperforms. No single manager is great at everything. History repeats this story time and time again. This insight informs our diversified approach, and we draw upon our expertise to create a portfolio that can achieve your goals.

Step One: Set objectives

Gathering the Inputs: The most important step in the investing process is identifying and defining investment goals and objectives, risk tolerance, time horizon, and other personal con- siderations. With this information, we help you document your investment election and detail the investment strategy to be used for the ongoing management of your portfolio.

Step Two: Develop asset allocation

Building the Portfolio: Asset allocation is the practice of spreading risk across a range of invest- ment classes and management styles in order to balance the effect of any single aspect of the market. History has proven that proper asset allocation is the prime determinant of how your portfolio performs.

Step Three: Implement the plan

Building out specific strategies to include in your portfolio requires many considerations. We build a broad implementation plan that fits within the constraints of your asset allocation guidelines, and we ensure that the execution remains consistent with your stated objective and account circumstances.

Step Four: Manage and monitor

A critical part of good investment management is oversight and regular realignment. Constantly changing market and economic factors can derail a good plan. We keep a close eye on your portfolio and will determine when it’s in your best interest to rebalance and when it’s time to replace individual holdings, using rigorous analysis. Our portfolio management teams review the strategy and metrics with our Investment Committee regularly.