Full-Service Investment Advisory Process   Are you looking for reassurance? Are you looking for a firm to handle a wide-ranging, complex portfolio? Look no further. DST has the wealth planning expertise to help you achieve your long-term financial goals and guides you through the investment process.   1.  Define Risk and Investment Objectives Not sure what your risk and investment objectives are... or should be? Here are some questions you may want to ask yourself: What is your family financial philosophy? What's important about money to you? How do you want to be remembered by your children, your grandchildren, your favorite charities, your community and society? Are your current plans, documents and holdings consistent with your personal goals or in conflict with them? What plans have been put in writing regarding the transfer of ownership, control and management of your business? What have you done to ensure that your business can repay loans and have adequate working capital in the event of your death? How will the death taxes and related costs be paid without forcing the sale of valuable growth or income-producing assets? What plans have you made to ensure that your spouse has an adequate income in the event of your death? What steps have you taken to ensure that your children are treated fairly in terms of dividing your estate? When we meet with each client, answers to these and other questions help us to ascertain your investment objectives, risk tolerances and constraints. At this time wealth management issues are identified.  So you can feel secure and completely confident that your investment portfolio has been designed specifically for you.   2. Formulate Policy and Allocate Assets The next step involves the construction of a formal investment policy statement. We help you develop a customized and diversified asset allocation plan using risk tolerance, return expectation and tax considerations.   3. Select Portfolios and Investment Managers Not sure where to turn when it comes to portfolios and investment managers? We help you with selection and monitoring. Once the policy and asset allocation is completed, managers and investments are chosen. DST makes investment manager/fund recommendations based on strict adherence to investment style, discipline, management tenure and performance.   4. Monitor Managers, Investments and Asset Allocation Investments have been made. Now you're done, right? While a nice thought, proactive monitoring helps reduce risk and minimize underperformance. DST continues to monitor fund manager and investment performance, asset allocation and style in accordance with your investment policy.   5. Report, Recommend and Reallocate Lastly, DST provides comprehensive and consolidated reporting for investment accounts. Based on monitoring results, we can recommend changes to asset allocation, managers and investments. Regular client meetings provide the opportunity to identify changing client objectives and to evaluate and re-align the investment strategy, as necessary.   Click on the links below for articles on topics of interest to investors Are Emotions Crippling Your Investment Returns? Asset Allocation: Your Critical Investment Decision Due Diligence: CompassGOLD IMS Select Portfolios You Can Now Receive Proxies by Email - Click here for details !