Planning and Advisory Engagement

Step One: Establish Common Basis of Understanding

During the first meeting, we will cover all aspects of a prospective client's financial situation: current assets, liabilities, cash flow and portfolio allocation. We look at the prospective client's personal investment portfolio as well as their various employer-sponsored retirement accounts such as 401K, 403B or 457 Plans and Employee Stock Option Plan. We review privately-held investments including real estate investment trusts, limited partnerships as well as annuities, managed futures, and insurance plans.

Step Two: Develop the Strategy

We analyze a prospective client's investment risk appetite, time horizon and investment experience and personal financial situation. Incorporating the information provided during our initial meeting, we then develop a realistic strategy and initiate measurable steps to meet the client's short and long-term objectives.

Step Three: Implement the Strategy

We build a portfolio based on our understanding of the client’s short and long-term objectives: growth, current income, tax-advantage and preservation of capital. From here, we then proceed with the investment selection.
We then look for opportunities in the financial markets to invest in individual stocks, bonds, Exchange Traded Funds (ETFs), Mutual Funds etc., considering risk tolerance, diversification requirements and optimal tax strategy. Based on the client's specific objectives we construct portfolios. Tana has access to over 10,000 institutional no-load and load-waived mutual funds, when appropriate. We also use Separately Managed Asset Managers (SMA) based on portfolio asset levels and best fit for strategy.

Step Four: Monitor Progress

Once the strategy is implemented, we monitor progress, review and rebalance the client's portfolio at agreed regular dates – quarterly, semi-annually, annually, and when our client's situation changes or market conditions merit. We recommend a face-to-face meeting at least once a year, where we review portfolio performance against the appropriate benchmarks and relative to the agreed strategic objectives.

Serving Businesses and Non-Profit Institutions

With respect to small-businesses, foundations, and non-profits, our firm advises employers and individuals in fiduciary capacity when establishing employee retirement plans. We work with business owners and non-profit organization trustees and boards to identify and evaluate Third-Party Administrators (TPAs); review investment managers' track records; analyze and recommend appropriate investments considering both costs and risk-adjusted returns. We work closely with fiduciaries of existing employee retirement plans and endowments to assure a cost-effective arrangement with sound investment selection.

To prepare an objective Plan Review Report, we use independent market tools to conduct portfolio evaluation, appropriate asset allocation and fee benchmarking. The Plan Review Report will include a well-organized, easy to understand comparative analysis of service and investment product providers’ fees and performance against stated benchmarks, as well as against industry peers. The report that will be submitted to the fiduciary client will comply with corporate bylaws and fiduciary requirements with respect to risk/reward, fee structure and investment selection.

By remaining independent and objective, Tana Investment Advisors is able to look at every situation from our clients' perspective to determine their needs and to find the most suitable solution.