How we fully commit ourselves to your financial well-being

Our practice, policies, strategy and approach are all designed with a singular purpose – to not only serve your financial needs, but to serve you well.

Client-centered practice: Our fee-only compensation structure ensures that our interests are aligned with yours. Our team structure helps ensure that all our clients’ needs are met efficiently and effectively.

Planning-based approach: All recommendations, advice and counsel we offer will be based on your individual needs and long-term goals. Your life plan is our organizing framework.

Long-term investment strategy: All investment decisions and recommendations are based on rational expectations for long-term investment outcomes. Disciplined implementation and ongoing monitoring help ensure this success.

Ongoing consultative approach: Through ongoing dialogue with you, we will regularly review your financial plan, monitor changing needs and circumstances, evaluate options, discuss modifications and monitor outcomes.

Regular contact: At least once a year, we will have a comprehensive planning review meeting. Of course, you will always have access to us for consultation or advice, and we pledge to promptly respond to all your questions, requests or concerns.

Full disclosure: Fees are based on your assets under management. You will always know the fee structure, what services you are receiving and your costs.

Providing value while offering objective investment guidance

We have a compensation structure that we believe provides value and aligns with your interests. Here are the highlights of what we do, and equally as important, what we don’t.

We have an all-inclusive asset-based fee.* We provide our full range of consulting services under an all-inclusive asset-based fee arrangement. This aligns our interests with those of our clients and allows us to pursue investment strategies most suitable to you.

We do not charge for preparing a financial plan. While many firms charge for the creation of a financial plan, we believe this is an essential component to our relationship and include this valuable service as part of our overall advisory relationship with you.

We do not receive trading commissions on fee based accounts. Because we are compensated through an asset-based fee, there is no incentive to work with high-turnover managers. This may result in cost savings for our clients.

We do not charge task-oriented fees. There are no additional charges for asset allocation studies, manager searches, performance reporting, travel, copies, conference calls, etc. Charging for these tasks can create conflicts of interest. In addition, costs can rapidly accumulate.

Account preservation is our priority

As we work with you to develop a plan designed to intelligently and responsibly manage your wealth into the future, we are equally committed to helping ensure your assets are preserved and your accounts are safe.

Raymond James & Associates is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available upon request or at or by calling 202.371.8300.

Raymond James has purchased excess SIPC coverage through various syndicates of Lloyd’s, a London-based firm. Excess SIPC is fully protected by the Lloyd’s trust funds and Lloyd’s Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub-limit of $1.9 million per customer for cash above basic SIPC for the wrongful abstraction of customer funds.

Account protection applies when an SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.


*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.