At Cardiff Park, clients benefit from risk tolerance analysis, financial planning and customized portfolio design. No services are left out and access to institutional index and bond markets, implementation support, portfolio rebalancing, tax-loss harvesting, and consolidated performance reporting are all included. Access to consultations is not limited.

We request that clients complete two questionnaires. These questionnaires allow Cardiff Park to gather the necessary information in order to assist clients with the totality of their financial affairs and diagnose if the achievement of their financial goals is both feasible and in agreement with their risk tolerance and the realities of the investment markets.

The first questionnaire serves to assess risk tolerance. The second allows Cardiff Park to assess risk capacity. Risk tolerance measures emotional comfort with respect to financial risk. Risk Capacity objectively evaluates the extent to which clients are poised to suffer financial set-backs. Risk capacity not only takes into account risk tolerance but also, net worth, age, investment knowledge and current and probable future cash flows.

To best complement Cardiff Park’s services we recommend that estate planning be carried out  by attorneys specializing in estate planning, that tax issues be discussed with  CPAs, that real estate matters be dealt with by  brokers and attorneys specializing in real estate, and insurance by  no-load insurance companies. Keeping these services separate ensures that there will be no conflict of interest with respect to the services that these professionals deliver.