Your needs always come first and foremost, but we also believe that the products we choose can be very beneficial when used in a well-thought-out, personalized strategy. When it comes to managing your risk, there are several things that can come into play, like the overall costs and fees, how you own the market or products, allocation of assets, risk parameters, tax efficiencies and fiduciary standards. Even though the products are the least important element of what we do for you, we know they can have significant impact, which is why we stay committed to our process and pay close attention to the full implementation of your plan.