A Service Orientation
Service and personal attention are the hallmark of Caprai~Mahalak Financial Group. It is the defining quality that sets us apart from our competition. The personal relationship that we develop with each of our clients starts with an initial “life planning” meeting, where we begin to identify and to clarify their needs and objectives.

Thereafter, we create a comprehensive plan, illustrate our investment process and philosophy, and develop a portfolio design and an implementation schedule for each of the applicable phases. We conduct semiannual portfolio and annual "life plan" reviews. We are always available to address any questions and to judge the implications of any life or goal changes that may arise between regularly scheduled meetings.

Financial Planning
We believe that financial planning is a process, not a product. This process involves identifying multiple goals, examining the six phases of the wealth management universe, and creating a long-term comprehensive plan customized to our clients' needs.

These phases are accumulation, risk management, taxation, retirement planning, estate planning, and business planning. Each of these phases has many underlying components that make up our clients' financial lives. By exploring each phase in detail, we'll determine which areas require immediate attention and which areas are more long-term in nature. From our findings, we'll assemble an implementation plan and establish a timeline for each individual goal. 

Planning is a lifelong process.

Investment Policy and Planning
Investing is only one component of financial planning, albeit an important one. We help our clients to quantify expectations and to allow for course corrections, as well as life changes, by considering age, assets, liabilities, income, expenses, and savings. We help to simplify the complexities of our clients' financial lives by managing their wealth in a systematic way, while illuminating other possibilities; by exploring and judging the implications for their finances and their lives; and by helping them to guard against self-defeating investment behaviors.  

We believe that developing client-specific investment strategies that emphasize diversified asset allocation and investment policy can be designed only after the initial financial planning discovery process is complete and a target return is established. We allocate assets among the major asset classes of cash, stocks, bonds, and real estate. Stocks are divided between domestic and foreign, as well as small-, mid-, and large-capitalization companies. We further divide domestic stocks by growth and value styles. Bonds are divided among short-, intermediate-, and long-term durations. We use traded and nontraded public real estate investment trusts (REITs) for the real estate components of investment plans. We take into consideration our clients' hard-asset real estate portfolios, as a part of their overall allocation.