Partnering With Others

Collaboration with other professionals is often an essential part of ensuring… 
…. total integration and seamless management of your financial picture. This can save you time.

As a licensed CPA* and CFP®, our services can easily integrate with your existing advisors to accomplish this. Where those current relationships may be unsatisfactory, we also maintain working relationships with a wide variety of certified public accountants, and attorneys.

*Raymond James does not offer tax advice or services. You should discuss any tax or legal matters with the appropriate professional.

I recognize that your family’s dynamics, goals, and risk tolerance are unique and I will tailor my process to meet your personal and financial needs and objectives.

My fourfold step process includes:

  • 1. Discovery
  • 2. Diagnose
  • 3. Design
  • 4. Deliver
  • Clearly and concisely defining your investment objectives and considerations
  • Ensuring that all of your investment needs are fully and appropriately reflected in your strategy
  • Defining a formal investment strategy to guide asset allocation and portfolio management decisions. I am able to bring institutional access to the retail investor.
  • Provide a foundation upon which to build and implement a customized wealth plan while paying close attention to tax minimization strategies at the same time.
  • Ensuring an approach that considers all of your needs, not just for your portfolio but also with your wealth as it applies to how you live your life now and how you want to live your life later on.

In addition to the investment tactics put in place, one of the biggest value adds my clients experience is the formulation of their tax, trust, and estate strategies. After I am able to review your personal balance sheet, income statement, and cash flow statements, I am able to help coordinate tax and estate efficiencies within your plan. I take my time to ensure we are paying close attention to specific ways to lower any taxable exposure the family may face this year and potentially several years into the future. It all starts with the plan and the insight on what to do next when it comes to ever changing tax laws.

Raymond James does not offer tax advice or services. You should discuss any tax or legal matters with the appropriate professional.

Six Questions

  • 1. How does your investment team function and who manages client money?

    Over my experience, it has become apparent that no one person has all the answers. Rather, successful investing is an activity of specialists. So we provide clients access to well-regarded traditional and alternative asset class managers, then craft portfolio strategies specific to each client’s life goals and financial challenges.

  • 2.What is your asset allocation method and why is it important?

    Our primary goal is to create an asset mix that will provide a balance between expected risk and return for a long-term horizon. We believe no one has demonstrated an ability to consistently time the markets, so we rarely make asset allocation decisions due to short-term market shifts.

    Diversification and asset allocation do not ensure a profit or protect against a loss.

  • 3. What is your manager selection process?

    To help clients work toward their financial goals, we strive to identify top managers in their respective asset classes using a thoughtful due diligence process. We utilize Raymond James and several other respected, independent research groups in these efforts. This approach helps assure our clients that their investments are in the hands of experienced professionals.

  • 4.How do you execute that strategy?

    We employ a combination of actively managed and passive index programs in our portfolio construction process. Active management can contribute to results while indexing can provide clients with diversification and help manage their investment costs over time. Where appropriate and depending on each client’s timeframe, risk tolerance, etc., we may also explore a variety of risk transference strategies.

    Investing involves risk and you may incur a profit or loss regardless of strategy selected.

  • 5.How do you benchmark?

    Rather than benchmark comparison, we focus on outcome-based portfolio construction. Our in-depth planning process establishes a “personal benchmark” that helps track our progress toward each client’s specific goals. We use this primarily and will also track against an industry benchmark as a secondary process.

  • 6.How do you monitor and adjust portfolios over time?

    On a regular basis (monthly, quarterly, semi-annually, etc.) defined by each client relationship, we review our positions, managers and benchmarks to consider what rebalancing to our target weights may be needed. This helps ensure the portfolio continues to address our clients’ needs. Despite market volatility and economic uncertainty, clients believe they can achieve their financial goals and enjoy a “Life Well Lived.” We work collaboratively to develop a plan best suited for each client’s unique needs. This gives a sense of clarity, organization and empowerment over their financial future.

    Rebalancing a non-retirement account could be a taxable event that may increase your tax liability.

  • Corporate Executive

    A busy executive who wants to partner with a highly responsive “Chief Financial Officer” to help free up time for work, family and self.

    Executives are known for working long hours to make their businesses a success. Fact is, many are stretched between their work and family demands, often relegating their financial well-being to a distant third place.

  • Retired

    Retired or contemplating retirement and you seek a lifetime income.

    The majority of your working years have been spent building your savings with the goal of a confident retirement and perhaps preserving a portion of your estate for your heirs.

  • Business Owners & Professionals

    A business owner or professional who would like to optimize the benefits of your business entity

    If you are like most business owners and professionals, you have dedicated a significant part of your life to making it a success. But is your business doing all it can for you?

  • Single Woman

    A single woman who would like to be even more effective in managing your financial affairs.

    Whether you have recently found yourself in charge of finances or have been managing your affairs for some time, there are often unique challenges that women face.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER,  CFP Logo Flame Design and  CFP Logo Plaque Design in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.