The pursuit of financial success begins with a plan
In this Financial Services section, we describe the general services we offer. In practice, it’s very common that they overlap. We customize our services to meet your needs; we don’t need to stay within the “boundaries” of each service as described here.
It’s traditionally a process to check your current finances against your financial goals. That’s still a good definition of the process we take you through.
The scope of your financial plan depends on what you need and want. You may want to just focus on short-term but sizeable goals such as children’s tuition or a vacation home. You may want to lay out the path all the way to retirement and beyond. We are happy to help in any case.
Simply, it prompts you to examine your current finances and long-term goals. That helps you prioritize spending and investment to achieve those goals. The universal goal of financial planning is to create an ongoing process that aims to reduce your stress about money, support your current needs, and build a nest egg for retirement.
What sets us apart is we not only address the “technical side” of money (assets, investments, taxes, etc.) but we also work with you concerning the personal side (relationships, family, hopes, dreams, worries, fears.)
It’s often the personal side that drives money decisions. We help you with the sometimes-thorny conversations that can come up in financial discussions between spouses or with family members.
On the Your WWG Experience page, we outline the steps we take, which are similar to that of other financial advisors. However, we approach them with more flexibility than that list may imply. For example, if you’re not ready to think about retirement yet, we’re happy to start with where you are and your near-term goals. We still keep the medium-term and long-term in mind on your behalf, building up our knowledge of your desires as we go.
We also help you understand where to invest your money and why. We review the accounts you need and how to use them to get to where you want to be.
Together, we develop a written plan that describes:
- Your current financial situation: assets, debt, cash flow, current investments.
- Your concerns about risk and loss.
- Any assumptions that were made.
- Your goals and target figures for what you will need for them.
- The investment plan for your money: How much will be invested, in what types of investments, for how long.
- How often the plan will be reviewed.
- Additional resources you need to carry out the plan: Estate planning, tax planning, etc.
Basically, together with you, we implement the plan. If parts of it need to be addressed by other expertise, we bring in the appropriate resources to handle them.
Depending on your needs, the plan may be implemented all at once or in stages.
The key to a successful financial plan is that it’s an ongoing process of monitoring and adjustment. We work with you to establish the schedule for reviewing the plan together on a regular basis. We are always available to you in-between those reviews as well.
Please keep in mind that diversification and asset allocation do not ensure a profit or protect against a loss.
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 our office for information and availability.
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