Client Factors

Client Factors and Circumstances Influence Asset Allocation

A. Instances when a DeCamilla Capital client might need to raise cash. The client:

• Foresees the need to make a large purchase
• Suffers a professional setback or job loss
• Makes a charitable donation or family loan
• Starts a new business or closes down an old one
• Assists in tuition payments
• Experiences an uninsured casualty loss or legal expense

B. Instances when a DeCamilla Capital client would commit additional investment funds. The client:

• Needs additional dividend income
• Experiences a market “sell off” where stocks become discounted
• Receives proceeds from the sale of an income producing business, capital asset, or real property and has to replace the cash flow
• Owns a retirement rollover account, which needs to generate income and maintain liquidity
• Holds excess cash and seeks capital growth to fund future obligations or living expenses