Our Approach
Our investment advice
and management
services are one of
a kind - aligned to our
clients' goals, not the
sale of any
financial product.
From mutual funds, insurance and
annuities, to other financial
products, there are often hidden
fees that pay “advisors” for selling
them. Not at BCAP. Our clients
know and understand that our
approach is based on sound
strategies and a solid base of
knowledge. Our advice is free
from conflicts-of-interest because
it is never tied to the sale or
recommendation of a
financial product.
At BCAP our six-tiered approach to wealth management provides the feedback and control you’re looking for in preserving and building your wealth.
1. We Listen
We want to know your goals, whether they belong in the category of retirement, estate, philanthropic, or specialized trust services. Our initial meetings are based on listening to you. Then, we design an approach based on your unique needs and objectives and get to work defining your long-term expectations.
2. Define Your Expectations
We consider your needs, goals and objectives and, after careful planning and assessment, incorporate them into a document we call the Investment Policy Statement,(IPS). Your IPS becomes the foundation for meeting your goals, while providing a formalized accountability structure that helps you see the results.
3. Formulate an Action Plan
Your action plan is a customized written document that formulates your asset allocation. Studies show that asset allocation determines over 90% of the risk/return characteristics of an investment plan, making your personal action plan one of the most important facets of your wealth management portfolio.
4. Implement Your Action Plan
Once your action plan is established and you have signed off on it, BCAP begins the implementation process. This involves setting up your accounts in our performance monitoring system, coding your accounts for monitoring relative to your appropriate asset allocation benchmarks and targets, and applying tax efficient strategies, where applicable.
5. Provide Consistent Performance Reviews
In addition to the stellar technological performance of our monitoring systems, our due diligence process is one of the best in the industry. At BCAP, professional and institutional investment management is gauged against stringent performance, risk and style metrics. The human factor can also have a significant impact on your performance; where applicable, we monitor for changes in key personnel and organization structure as part of the process.
6. Personal Contact
Our relationships with clients are founded on trust, integrity and regular personal contact. We schedule regular meetings to review the progress of your plan, and to help keep you informed and educated, while listening to your input and incorporating feedback where we can.