A well-ordered approach to personalizing your wealth plan

Our clients appreciate the organized and thorough process we take as we stand beside them to help fulfill their financial goals. Our process begins by getting to know you, your goals and objectives, and flows through systemic steps as detailed below.

As we learn about your goals and objectives, it’s important that we discuss your dreams and aspirations. Starting with the big thinking helps us have all the insight we need to serve you best. We also want to understand your family make-up so that we can customize our approach and provide individualized advice.

First, we take time to get to know you face-to-face. As our conversations progress we start to build an understanding of your personal goals, current financial situation, investment experience and risk tolerance. We also share information with you to make you aware of our capabilities and how we can potentially help you meet your objectives.

This step of fact-finding includes providing us with financial and bank statements, tax returns, life insurance policies, debts and estate planning documents. The more detailed you can be in providing this information, the more tailored our advice and guidance can be.

Next, we analyze what you’ve shared with us in order to design your plan, collaborating with your other professional advisors such as your accountant and lawyer if needed.

By understanding the nuances and timing of your specific needs, we create your plan and review it together with an interactive tool. This helps us discuss your goals in more detail, incorporate all of your income sources and assets, and develop a realistic plan tailored to your individual goals and risk tolerance. Along the way, you can visualize your future in real time to see how different decisions, such as choosing to work longer or retire earlier, can affect how confident you feel about your financial future.

We then thoroughly test that plan and discuss priorities and tradeoffs that can be made. We present our recommendations to you, answer your questions, consider alternatives and outline the steps we need to take to implement your plan.

Customizing your investment strategy includes selecting asset classes and an allocation appropriate for your organization, and in alignment with your investment policy. We keep in mind the need for active versus passive investing needs, as well as more specific considerations such as your spending policy. Our collaborative process includes time to answer any questions you have with the work we have done to date before moving forward.

Diversification and asset allocation do not ensure a profit or protect against a loss.

Designing your portfolio means diving deep into the investment options well-suited for your organization. Whether you need active or passive investing, we apply specific investment types based on your unique needs.

With your approval, we execute your customized strategy using the extensive research and resources available to us through Raymond James. This involves the selection of specific account types, investment products and optional services, and the handling of all necessary paperwork.

Investing always involves risk and you may incur a profit or loss. No investment strategy can guarantee success.

Once your plan is implemented, our work and communications continue. We meet with you quarterly, semiannually or annually based on your preferences and individual situation. During our time together we review your investment policy statement and make changes based on what has changed and if any new needs or objectives arise.

We consistently monitor your plan’s progress relative to your defined objectives, suggest any changes where needed, and provide ongoing reporting of your account activity. We do this by meeting with you regularly and staying connected to you and your life. Our door is always open, and we invite you to reach out for guidance on any decision that’s important to you at any time.

Learn more about Goal Planning & Monitoring, our innovative and interactive planning tool to help visualize your goals »