How we go about Building your plan

We focus on the financial plan, not the market fluctuations. It’s all too easy to get caught up in the financial page headlines. Whether fear or euphoria, emotion can cause investors to over-react to the market’s inevitable ebb and flow. It’s our goal to strive to remove irrational behavior from the equation by adhering to a disciplined approach to investing. We use a well-established and structured process to personalize a plan and portfolio for you, designed to reach the returns you need for meeting your goals.


First, we’ll build an understanding of your personal goals, current financial situation, investment experience and risk tolerance. We’ll help you clearly define and prioritize your goals and evaluate the appropriate level of risk. We believe that it is desirable to not take on more risk than you are getting compensated for, or than is absolutely necessary to meet your specific return objectives.


Next, we will analyze what you’ve shared with us in order to design your plan. This step may include collaborating with your other professional advisors such as your accountant and lawyer. We present our recommendations to you, answer your questions, consider alternatives and outline the steps we need to take to implement your plan.


With your approval, we will execute your customized strategy using the extensive research and resources available to us through Raymond James. This involves the selection of specific account types, investment products and optional services, and the handling of all necessary paperwork.


We will reach out to you on a regular basis to discuss the progress you are making and the strategies that are appropriate due to changing market conditions. We will evaluate your investments to see if you are achieving the returns you need on a risk-adjusted basis instead of just being compared to arbitrary benchmarks. We will also ensure that your changing life is in step with your investments and strive to be sure that all of your needs are met promptly and efficiently.

Someone’s sitting in the shade today because someone planted a tree a long time ago.
Warren Buffet