{"id":228,"date":"2025-11-17T19:43:57","date_gmt":"2025-11-17T19:43:57","guid":{"rendered":"https:\/\/bicc1968.com\/?page_id=228"},"modified":"2026-04-04T19:20:41","modified_gmt":"2026-04-04T19:20:41","slug":"perspective-and-process","status":"publish","type":"page","link":"https:\/\/bicc1968.com\/?page_id=228","title":{"rendered":"perspective and process"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"228\" class=\"elementor elementor-228\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e3cced e-flex e-con-boxed e-con e-parent\" data-id=\"0e3cced\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d594ae elementor-widget elementor-widget-text-editor\" data-id=\"8d594ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"text-align: center;\"><span style=\"color: #000000;\">Providing Valued Clients With Our Process and Perspective<\/span><\/h2><h3 style=\"text-align: center;\"><span style=\"color: #000000;\">Our management process begins with a conversation that last for years.<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5207bb6 e-flex e-con-boxed e-con e-parent\" data-id=\"5207bb6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcc0c3d elementor-widget elementor-widget-text-editor\" data-id=\"fcc0c3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1 style=\"text-align: center;\"><span style=\"color: #000000;\">Our Management process<\/span><\/h1>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c4290d0 e-flex e-con-boxed e-con e-parent\" data-id=\"c4290d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c497fd8 e-con-full e-flex e-con e-child\" data-id=\"c497fd8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b08efc8 elementor-widget elementor-widget-image\" data-id=\"b08efc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"859\" src=\"https:\/\/bicc1968.com\/wp-content\/uploads\/2026\/04\/wallstreet-old-photo-1024x859.jpg\" class=\"attachment-large size-large wp-image-323\" alt=\"Wall Street BICC 1968 Financial Advisors\" srcset=\"https:\/\/bicc1968.com\/wp-content\/uploads\/2026\/04\/wallstreet-old-photo-1024x859.jpg 1024w, https:\/\/bicc1968.com\/wp-content\/uploads\/2026\/04\/wallstreet-old-photo-300x252.jpg 300w, https:\/\/bicc1968.com\/wp-content\/uploads\/2026\/04\/wallstreet-old-photo-768x644.jpg 768w, https:\/\/bicc1968.com\/wp-content\/uploads\/2026\/04\/wallstreet-old-photo.jpg 1192w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2831364 e-con-full e-flex e-con e-child\" data-id=\"2831364\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cb5810 elementor-widget elementor-widget-text-editor\" data-id=\"1cb5810\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\"><strong>DEFINE<\/strong> your investment objective, <\/span><span style=\"color: #000000;\">determine your time horizon, risk tolerance and liquidity needs<\/span><\/p><p><span style=\"color: #000000;\"><strong>ASSESS<\/strong> how your current portfolio <\/span><span style=\"color: #000000;\">is aligned with your investment<\/span><span style=\"color: #000000;\">objective, tax and risk profile<br \/><\/span><br \/><span style=\"color: #000000;\"><strong>ARTICULATE<\/strong> what risk your capital is taking for the reward it is producing and at what expense<br \/><\/span><br \/><span style=\"color: #000000;\"><strong>ALLOCATE<\/strong> your portfolio based upon our conversation, assessment and analysis<\/span><\/p><p><span style=\"color: #000000;\"><strong>REPEAT<\/strong> the entire process and <\/span><span style=\"color: #000000;\">re-balance your portfolio at regular intervals <\/span><br \/><span style=\"color: #000000;\"><br \/>Client portfolios are individually managed<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85b9812 e-flex e-con-boxed e-con e-parent\" data-id=\"85b9812\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6bc967d elementor-widget elementor-widget-text-editor\" data-id=\"6bc967d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"color: #000000;\">OUR INVESTMENT UNIVERSE\u00a0<\/span><\/h2><p><br \/><strong><span style=\"color: #000000;\">Cash and Fixed Income<\/span><\/strong><br \/><span style=\"color: #000000;\">Money market funds, CD\u2019s, US Treasury Notes and municipal bonds<\/span><\/p><p><strong><span style=\"color: #000000;\">Equity Securities<\/span><\/strong><br \/><span style=\"color: #000000;\">Our Selected Company List is at the core of our equity strategy with preferred <\/span><span style=\"color: #000000;\">company attributes including but not <\/span><span style=\"color: #000000;\">limited to: high barrier to entry, sturdy and\/or growing earnings, strong pricing power, recurring revenue, low relative price volatility, macro-economic tailwinds and management with a proven track record<\/span><\/p><p><strong><span style=\"color: #000000;\">Exchange Traded Funds<\/span><\/strong><br \/><span style=\"color: #000000;\">We utilize a select list of exchange traded funds representing fixed income, cash, equities, asset allocation models and <\/span><br \/><span style=\"color: #000000;\">alternative assets as part of our asset <\/span><span style=\"color: #000000;\">allocation process<\/span><\/p><p><strong><span style=\"color: #000000;\">CUSTODIAN OF OUR CLIENT&#8217;S ASSETS<\/span><\/strong><\/p><ul><li><span style=\"color: #000000;\">Charles Schwab is an industry leader<\/span><\/li><li><span style=\"color: #000000;\">35 years serving investment advisors and clients<\/span><\/li><li><span style=\"color: #000000;\">SIPC account protection<\/span><\/li><li><span style=\"color: #000000;\">Secure online account access 24\/7<\/span><\/li><li><span style=\"color: #000000;\">Move money<\/span><\/li><li><span style=\"color: #000000;\">Account review<\/span><\/li><li><span style=\"color: #000000;\">Update client information<\/span><\/li><li><span style=\"color: #000000;\">Online client learning center<br \/><\/span><\/li><\/ul><p><strong><span style=\"color: #000000;\">DISCLOSURES<\/span><\/strong><\/p><ul><li><span style=\"color: #000000;\">For informational purposes only, does not constitute investment advice or a solicitation of any offer to buy or sell any security. Investments in securities are not insured, protected or guaranteed and may result in a loss of income and or principal<\/span><\/li><li><span style=\"color: #000000;\">Bankers Investment Counseling <\/span><br \/><span style=\"color: #000000;\">is an independent investment <\/span><br \/><span style=\"color: #000000;\">advisor registered with the State <\/span><br \/><span style=\"color: #000000;\">of California<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Providing Valued Clients With Our Process and Perspective Our management process begins with a conversation that last for years. Our Management process DEFINE your investment objective, determine your time horizon, risk tolerance and liquidity needs ASSESS how your current portfolio is aligned with your investmentobjective, tax and risk profile ARTICULATE what risk your capital is &#8230; <a title=\"perspective and process\" class=\"read-more\" href=\"https:\/\/bicc1968.com\/?page_id=228\" aria-label=\"Read more about perspective and process\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-228","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>perspective and process - Bankers Investment Counseling Company<\/title>\n<meta name=\"description\" content=\"Providing Valued Clients With Our Process and Perspectiveour management processbegins with a conversation that last for years.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bicc1968.com\/?page_id=228\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"perspective and process - 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