Do you manage the investment portfolios at your discretion?

YES.  Trade discretion is necessary to avoid giving one client preference over another in trade execution.  However, since we are financial planning-centric, we want our clients to be educated and engaged in the planning process.  As such, we generally do not made investment purchases or sales in your account(s) without discussing the recommendations with you first.  This approach also necessarily means that all client portfolios are uniquely customized/personalized.