Services

Offered through Raymond James Financial Services (RJFS), member FINRA/SIPC

The process we use to help our clients achieve their goals includes the following elements:

FINANCIAL PLANNING— Our first step with a new client is to determine their current financial situation. We need to know exactly where they are in their life and what goals they would like to achieve. We discuss  their past investment experience, investment vehicles they prefer, their risk tolerance, time horizon for their goals, their family environment, their occupation experience, tax bracket, etc. Then we help them quantify and organize their individual long-term financial objectives, such as preparing for retirement, providing funds for educating their children, having an extra source of income, buying a new or vacation home, providing asset protection, reducing federal and state taxes, avoiding estate taxes and any other objective they may want to achieve. Finally we help them develop a saving and investment plan designed to make these goals a reality.

ASSET ALLOCATION— Based upon the client’s financial plan and risk tolerance, we will recommend an allocation among various asset classes. We use historical risk and return data to determine the optimum combination of different types of financial assets to help meet our client’s goals. We try to help reduce the risk of investing through proper diversification and using multiple investment vehicles such as mutual funds, unit trusts, professional money management, variable annuities and individual stocks.*

INVESTMENT RECOMMENDATIONS— We believe that successful investing is part art, part science. The art of investing involves a vision of both the current and future economic environment the U.S. is experiencing. By properly interpreting the trend the economy is in, we are better positioned to identify investment opportunities that have the potential to benefit our clients by participating with these movements. The science of investing involves the evaluation of the various financial assets and filtering out the most appropriate investment opportunities that meet our client’s investment parameters for risk and return. We endeavor to recommend only those investments that we feel fit the clients risk/return profile and investment objectives. Our clients’ portfolios are custom-tailored, taking into account not only their specific needs but also their desire for involvement and communication in their investment program. We strongly stress the use of professional money managers, either directly or through mutual funds. This approach helps to avoid any conflict of interest between our clients and ourselves.

MONITORING AND REVIEW— Investment markets are dynamic. We continuously monitor the financial markets and economic trends. We are constantly reviewing our clients’ portfolios and looking for opportunities to improve on the performance of each account. We attempt to contact each client at least once every 90 days to bring them up-to-date on the financial markets, any changes to their portfolio holdings, and new opportunities that we have discovered. An annual client/financial advisor meeting is encouraged. This meeting allows us to keep refreshed on the client’s current situation and make any adjustments to the investment plan if necessary.

INVESTMENT ADVISORY SERVICES FOR BUSINESSES AND PROFESSIONAL PRACTICES— Financial Planning is crucial for the closely held business owner because the range of options is broader and the risk is greater. As Raymond James Financial Advisors we offer guidance in reviewing these options and reaching decisions. We strive to help you identify the financial path to reach your goals.

Elements of Strategic Planning for your Business Can Include:
Goal Setting & Evaluation, Development of a Business Plan, Cash Flow Planning, Strategic Financial Planning (for Growth or Transfer of Ownership), Business Structure Analysis, Compensation Design (for Owners and Key Employees), Establishing the Best Qualified Retirement Plans, Creating Non-Qualified Plans for Your Business, Tax Planning, Retirement Planning, Succession Planning and Development of Exit Strategies.

  * Asset allocation does not assure a profit or protect against loss