Our Process

Pedey Investment Management Group, A Service of D.A. Davidson & Co., knows that the best financial guidance begins with a people-first approach — because it's more than money; it's your life.

Our First Meeting

We begin by getting to know you — not just your finances, but your lifestyle. Your values. The people, pursuits, and dreams that matter to you most. What's most important to you and your family? Where might your future take you?

Our goal in asking these questions is to develop an authentic understanding of your life — because supporting your lifestyle is the true purpose of managing your finances.

In our first meeting, we'll also answer any questions you may have about our team, our capabilities, and what it's like to work with us. As a firm that prioritizes relationships, we want to ensure that the Pedey Group offerings match your personal wealth management needs — from personalities, to process.

Our Second Meeting

Once we've determined mutual interest in moving forward, our second meeting will dive into the specifics of your financial picture. We will begin to gather and assess financial statements while discussing your needs, expectations, and aspirations. In this part of the process, transparency and candor are key in creating the best possible strategy for you. Our team will then take everything we've learned, and systematically work through the details in order to create and customize options for an action plan that supports where you are today, and gets you where you want to go.

The Pedey Group Process

Our process is always customized to your unique situation, lifestyle, and goals. That said, throughout our combined and individual years of experience, we have identified a process framework that ensures every detail of your current and future finances are accounted for and supported.

Organize

• Review financial situation including insurance and estate plan
• Define goals, objectives, and expectations
• Determine time horizon and risk tolerance
• Integrate tax considerations
• Identify income needs

Formalize

• Determine strategic asset allocation
• Determine investment management platform
• Adopt investment policy

Implement

• Complete account transfer process
• Finalize account registration and beneficiary designation
• Authorize income distribution methodology

Monitor

• Assess economic and market environment
• Review evolving financial needs
• Execute tactical adjustments

Everything we do is with the goal of providing the right level of guidance, information, and direction for your needs. We help maximize your successes and overcome unexpected challenges, turning your accumulated wealth into a resilient financial base from which to experience all that life has to offer.

Our team is truly dedicated to your financial wellbeing — and whatever surprises may arise in the future, you can move forward with peace of mind.

Value Versus Fees

How We Work

We believe that there is too much mystery and misinformation surrounding the issue of investment and advisory fees. Many advisors seem to engage in a “Don't ask, Don't tell” policy regarding this question. We do charge for our services, and thereby recognize that the economics of the marketplace require that measurable value be added to our clients' investment experience. Because most of our client portfolios are actively managed, compensation is typically fee-based rather than commission-oriented.

Philosophically, we prefer to be rewarded for professional service and objectivity rather than trading activity that is more commonly compensated by commission.

Our commitment is to an open discussion and full disclosure regarding fees, both direct and indirect — because our clients deserve nothing less.

The Pedey Group Promise

We pledge to uphold the highest ethical and professional standards;
To consistently demonstrate our commitment to professionalism and excellence in everything we do;
To offer objective counsel suitable to the client's needs and purposes;
To retain the confidence and trust of our clients through our total commitment to honesty, integrity and full disclosure;
To communicate a sincere, caring attitude toward every client, and;
To always place our clients' financial wellbeing above our own.