The asset allocation is driven by the investment policy. The goal of the asset allocation modeling is to tailor each client’s asset allocation mix in order to meet their individual investment goals and objectives, including specified return objectives, risk parameters, and cash flow needs. This strategic asset allocation process is carried out through the cooperation of the client and the consultant. The client’s investment profile establishes specific requirements concerning liquidity, income, funding requirements, long-term growth, investment time horizon, return objectives and risk tolerance.