Our Philosophy & Process

Focus on Values
Our philosophy for wealth management focuses on placing family values and objectives at the center of investment related decisions. During the initial meeting, for which there is no charge, we engage clients in a format that is open and candid with the specific objective of helping clients self-discover the values, attitudes, and beliefs around money that are most important to them. This represents the most critical step in our process, with the ultimate goal of creating harmony between client values and investment related decisions.
 

Investment Objectives as Framework for Investment Decisions
Once we have a clear understanding of our client's values and objectives, the formulation of the client's investment strategy represents the next step in our process. The client’s investment strategy is the blueprint for making investment related decisions and represents our understanding of the family's goals, objectives, risk tolerance, and time frame. The investment strategy establishes a framework for investment related decisions, and also represents our commitment and accountability to the families we work with.
 

Process-Driven Product Implementation
Brown & Saraci, an Office of MetLife, provides clients with the depth and breadth of products and services to meet their objectives. An open architecture offers clients the ability to utilize various types of investments to implement their investment strategy, including, but not limited to, exchange-traded funds, mutual funds, separately managed accounts, individual stocks, bonds, options, hedge funds, and other types of investments. Careful consideration is taken in determining what types of investments can help clients meet their objectives most effectively and efficiently. Our belief is that products are simply tools used to execute a strategy based on client-defined goals; however, a robust platform allows us to use the right tool in each situation. The benefit to clients is a strategy that can be customized to their specific needs and objectives. 

Our philosophy is that anything the client saves in costs and expenses goes directly to improving results. We place heavy emphasis on limiting or reducing costs to clients wherever we can; therefore, client portfolios are designed to take advantage of benefits of both passive and active management. We focus strictly on providing the best possible solution at the lowest possible cost.

Advisory Role & Fees
When operate in an advisory capacity when working with families in connection with our investment advisory business.  Among other things, this means: