The Investment Policy Statement (IPS) is the basis of the financial plan we develop for clients.  The plan provides a graphic, personalized roadmap for our clients to follow in order to attain their financial goals.  It allows us to plan effectively with our clients for every phase of their financial lives - from the early stages of debt and its eliminations, through the accumulation stage, into retirement and management of cash flow, and finally, to the transfer of wealth between generations.