Our planning process includes several important steps.

Based on a client’s unique circumstances, needs, values and vision for the future, we design a personalized wealth management program geared to meeting clearly defined goals. The plan draws on our team’s extensive and diverse experience in financial services, incorporating a customized mix of investments, insurance products, tax strategies, estate vehicles and other resources.

First, we review the client’s current situation, from both a financial and a personal perspective. Besides examining the client's assets and liabilities, we work to understand his or her values, goals, needs, family structure and wishes for the present and the future.

Based on what we’ve learned, we collaborate with the client on defining specific short- and long-term financial goals and objectives.

Using those goals as our target, we create an individualized financial plan that includes asset allocation and investment recommendations, tax strategies, estate and retirement planning and other elements.

After thoroughly discussing our recommendations with the client and making any desired changes, we implement the plan, then carefully monitor it.

We review the plan’s progress and results with the client on a regular basis. Our team is available to answer questions and address concerns at any time.

As the market shifts and the client’s circumstances change, we adjust the plan accordingly to maintain focus on the desired results.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. © Raymond James & Associates, Inc., member New York Stock Exchange / SIPC