We provide independent, lifetime financial planning and investment management with complete implementation. We have the ability to manage money through Raymond James or virtually any other institution, including company and university retirement plans with TIAA-CREF, Vanguard or other third-party providers.
Raymond James is nationally known and respected, and our branch has been consistently ranked among the firm’s top-producing offices. We strive to be leaders in developing strategies for a complex and changing world, and make frequent contributions to professional journals. We are committed to continual improvement and adaptation in an evolving financial environment.
Because we are a fee-based* and independent firm, we are not influenced by sales incentives or proprietary products. Fees for our services are based on assets under management as we guide our clients in defining and meeting lifetime goals and aligning their portfolios to help achieve them. We do not charge commissions. Our financial planning services are paid for by the comprehensive advisory fee.
What sets us apart is a higher level of client service. We work with multiple generations in the same family to help transition values and wealth. We pride ourselves on the deep, life-long personal relationships we enjoy with clients. To us, clients are family. As our client, you may come to appreciate the fact that we are easily accessible, that we remain in frequent contact and that our goal is to meet with you several times per year.
We begin with a comprehensive Discovery Process. This is the basis for a customized written Investment Strategy and Policy Statement that becomes a roadmap for managing your financial affairs.
It can encompass:
- Financial and retirement planning
- Investment management, including
- Strategies designed to help clients become more successful investors and potentially reach their goals
- Money management techniques used by institutional investors available to individual investors
- Business succession planning
- Family legacy planning, as well as passing your values on to your heirs
- Retirement savings
- Cash-flow management
- Transitioning into retirement
- Lifetime retirement income management
- Estate planning
- Risk management and insurance, including life insurance and annuity evaluation and planning
- Business succession planning
- Education savings and tuition planning
- Family legacy goals and
- Charitable giving.
Portfolios, custom built for each client, are focused on long-term performance and meeting that client’s personal objectives. Investments are made as tax efficiently as possible with the emphasis on growing and protecting wealth, not chasing fads. We offer full capabilities and services including:
- The vast majority of mutual funds
- Alternative investments through Raymond James
- Global investment techniques used by institutional managers brought to individuals and
- Multi-scenario investing
We are a fee-based* and independent firm that is not influenced by sales incentives or proprietary products. We are able to manage portfolios regardless of where the assets are held. Many of our clients have assets invested with multiple providers (e.g., 401(k) and 403(b) plans). We utilize the strengths of the various plans in which the client is invested.
Our process integrates global economic research from proprietary and public sources. The design characteristics that we employ adhere to a philosophy that ensures:
- The investment portfolio meets our design parameters
- Assets are managed as tax efficiently as possible (i.e., different investments should be held in taxable and qualified accounts) and
- Risks are managed in all asset classes, and exposure to a single equity or bond manager will be limited
Global investing also involves special risks, including currency fluctuations, different financial accounting standards, and possible political and economic volatility. Investing involves risk and investors may incur a profit or a loss. Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests.
