Our investment philosophy is based on well-established finance theory, sophisticated statistical analysis, and has four phases.
The first phase is an assessment of the client's goals, objectives, and risk tolerance. Risk tolerance includes assessment of both the ability and willingness of the client to take risk. The primary objective of this phase is to clearly define the client's goals and gather the relevant information for proper analysis.
During phase two, James G. Jones, CFA, founder and President of Sterling Investment Advisors, LLC evaluates a number of potential portfolios based on the investment options available to the client and the client's risk tolerance. Within the framework of the current investment assets and future cash flows developed in phase one, each potential portfolio is subjected to a Monte Carlo analysis. A portfolio is evaluated based on the probability it will successfully achieve the client's goals.
Once a portfolio has been chosen, the establishment of new accounts is quick and simple. Account forms can be completed at the Sterling Investment Advisors, LLC office or at the client’s location.
Contributions to portfolios are made at the direction of the client. Several clients use an Electronic Funds Transfer (EFT) link between a bank account and investment account. Transfers are paperless, quick, and can be automated with transfers periodically, or upon request. Deposits can also be made by check or direct deposit through your employer.
Phase three is the monitoring phase. Once the account is established, funded, and the initial porfolio created, Sterling Investment Advisors, LLC reviews the portfolio quarterly for possible rebalancing. In addition, changes to the asset allocation, based upon long-term economic and market conditions, may be implemented prior to phase four if the risk profile can be maintained.
The final phase is re-evaluation. Every year, Sterling Investment Advisors, LLC will contact each client to setup an annual review appointment. These meetings provide an opportunity to re-affirm or adjust client objectives, as well as evaluate the current asset allocation. Changes to the investment mix are made when the new allocation increases the probability of client success. Should a client be unable to meet, an internal review conducted. In both cases an updated investment plan is created and shared with the client. Of course clients may request meetings at any time to discuss their portfolio or changing personal circumstances.
The four phase process ensures that the investment portfolio is consistent with a client's goals and objectives and adapts to changing economic environments and personal goals.
Disclaimer - Analysis is based on forward-looking risk/return assumptions with a foundational basis in the historical, long-term risk/return characteristics of and relationships between asset classes. There is no guarantee these forward looking assumptions will be accurate projections of actual, future results.
2095 S. Boston Place Telephone: 417-777-7677
Bolivar, MO 65613 Email: investment@sia.us.com | 
