Mission
Suggest, Inc.'s mission is to make a positive difference in the financial well being of our clients; allowing them to meet their financial objectives and have confidence in their financial future. As your investment advisor we objectively analyze your individual needs and create a plan to meet your unique financial goals. Once this plan is in place, we provide ongoing active management of your portfolio, unbiased advice and a high level of personal service.

Foundation/Fundamental Beliefs

• Review, consider and revisit entire financial circumstances, not just the assets under our management
• Rely upon intensive research & disciplined processes
• Establish a long-term approach allowing us to take advantage of value opportunities
• Access investment talent from outside firms, incorporating a high level of expertise in a variety of asset classes and investment styles otherwise not available at a single firm
• Minimize fees and expenses thereby maximizing long term returns.
  

Investment Process
Our investment process consists of three on-going phases:

1. Understanding the client's unique needs and goals. We will establish a formalized individual investment policy; incorporating risk considerations, return objectives, cash flow needs, tax issues and other factors specific to your situation. This Investment Policy provides the road map for tailoring your appropriate investment strategy. At the end of this phase we should have answered your questions: "Where am I?", "Where do I want to go?" and "How do I get there?"
   
2. Guidelines will be established that control the overall level of risk and liquidity. This Investment Plan will be implemented through appropriate placement of assets with our individual money manager.
3. Monitor, Evaluate and Rebalance. Portfolio investment performance will be monitored, evaluated and compared with appropriate benchmarks as well as established client objectives and long term targets. Quarterly consolidated comprehensive reports will be provided and discussed. We would like to meet with you at least annually, if not quarterly to review and revisit the Invest Policy Statement and your actual results.
   

How do we get started? Here's what you can expect…

Establishing Our Relationship

• First, you will fill out our investment questionnaire, followed by a meeting with Michael Moorman, your portfolio manager and a register investment advisor. This two-step process will enable us to understand your particular objectives, return expectations and risk tolerance. Using this information, we will design an implementation strategy including an initial asset allocation and specific benchmarks with which to measure performance. This personally tailored strategy will be formalized in your Investment Policy Statement.
  
• Next, you will complete our Investment Management Agreement, Charles Schwab & Company (Schwab) Account Application(s) and any appropriate transfer forms. We utilize Schwab as custodian of our client’s accounts as our primary brokerage firm.
  
• Once your assets have been transferred to Schwab, we will begin implementing your investment strategy as outlined in your Investment Policy Statement. You will receive a confirmation of each trade which will allow you to track purchases and sales.
  

Our Commitment to Communication

• You will receive monthly account statements from Schwab. Quarterly, you will receive a consolidated account statement, performance review and commentary prepared by Suggest, Inc. The performance report will compare your performance to the benchmarks outlined in your Investment Policy Statement. The commentary will discuss an overview of the markets and updates regarding specifics affecting your account.
  
• We will plan to meet with you two to four times a year to review and discuss your portfolio performance and keep you abreast of your situation. We encourage you to call us at any time if you have any questions or concerns regarding your account.
  
• As a client of Moorman and Company, we will keep your account manager aware of any relevant tax information throughout the year and will provide tax summaries each March for the prior year.
  

Suggest Inc., an investment management firm based in Palo Alto, serves the San Francisco Bay Area, Peninsula, and Silicon Valley from Hillsborough to Saratoga-Los Gatos, including Atherton, Menlo Park, Los Altos, Los Altos Hills, and Cupertino.