Watermark Asset Management, Inc.

The Investment Process

Investment management is a relationship business. It involves working with a professional who will collaborate with you on the planning and work needed to secure your financial future. From our perspective, the first step toward establishing a good relationship is to know our client. That means gathering personal and financial information, identifying your needs and constraints, and establishing realistic long term goals. From your perspective, it means being comfortable with the individuals you are working with and confident in the integrity of the firm.

Next, we mutually define expectations. Together, we develop a frame of reference regarding investment performance. Investment returns should be based on your requirements, not necessarily the performance of a stock market index. We clearly communicate our investment philosophy. Then, we develop an investment objective and formalize it as an investment policy.

With clear objectives and expectations, we manage your money.Portfolios, designed using Modern Portfolio Theory, accommodate your tax situation, tolerance for risk, and short and long term objectives. Individual investments face several screens including long term performance and style consistency. We invest in exchange-traded and no-load mutual funds and always seek to use the lowest cost class of shares available, preferring institutional funds to retail shares. We are not affiliated with a brokerage firm, insurance company or mutual fund provider and are able to develop portfolios using a best-in-class approach.

Once we have your agreement, Watermark implements the investment strategy. We revise and report on portfolios on an ongoing basis.Changes are made to the portfolio when market conditions warrant and when allocations are no longer appropriate to your changing objectives.

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