Frequently Asked Questions
- What does CFP® mean?
- How can I find a Retirement Planner that I can trust in the Central Louisiana area?
- Can I withdraw money from my retirement accounts prior to age 59 ½ and avoid tax penalties?
- How often do you review my portfolio?
- How do you manage investments?
- How often do you buy and sell assets?
- Do you require discretion over my investment accounts?
- When my account goes down, do I still pay you?
- What is your "team" approach?
- When can I retire?
- What retirement plan is best for my business?
- Can you help me set up or improve the 401(k) plan I have for my business?
- How much life insurance do I need and what type?
- What other forms of insurance are most useful to me?
- What estate planning documents do I need?
- How can I save on income taxes?
- How do I save for my children's college education?
- How can I prepare for college funding?
- Who will I be working with?
- What does 'fiduciary capacity' mean?
- What does Fee-Based mean?*
- How do you follow up with me? How often will we meet?
- How will I know if I'm on track to reach my goals?
- Why and when should I rollover my 401k and how do I do it?
- How do we get started?
*In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part II as well as the client agreement.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, certified financial planner™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.
Investment advisory services offered through Descant Financial Partners. Descant Financial Partners is not a registered broker/dealer and is independent of Raymond James Financial Services.