Our investment process begins with a review of a client's investment policy. In the event clients require a new policy, we will work closely with them to outline the key criteria and assist in the development process.

We will provide various asset allocation models using proven asset allocation software. The models provide an efficient frontier that illustrates investment strategies from conservative to aggressive. Additionally, the models include asset allocation targets and tolerance ranges by asset class. Clients select the strategy most consistent with their investment policy. The portfolio is monitored to ensure that asset classes remain within the clients' tolerance ranges. In the event that an asset class moves outside of its tolerance range, we will work with the client to rebalance.

At GEAM, we believe that superior long-term performance can be achieved using our bottom-up, research-driven investment approach. Our investment process involves rigorous analysis of financial data, including country, industry/sector and company information, as well as qualitative assessments of management and its ability to execute. GEAM strives for consistent, above-average returns over the long term. As a plan sponsor, we strive to achieve above-average performance with below-average risk.