Having a customized financial plan tailored to your unique circumstances helps ensure that we have established a clear course of action for pursuing your financial goals. It's not a task we take lightly. We follow a thorough and orderly process to ensure we cover every element and consider every detail. Here's a synopsis of how we'll bring your future into focus.


We begin by getting to know you as a person – to ensure we have a good understanding of your goals, financial situation, investment experience and risk tolerance. We ask about your financial concerns and what you want out of the advisor relationship. We give you an overview of our team and the capabilities we have. Once we mutually determine there is a good fit for a long-term advisory relationship, we collect and analyze the necessary financial data. This can include your statements or balance sheet, bank accounts, cash positions, outstanding debts, budget analysis, assets outside of investments, insurance policies, tax returns and sources of retirement income, when applicable.


Once we have a good understanding of what you want to achieve, we go to work to create an investment policy statement, set an asset allocation target, establish risk management parameters and ultimately develop a financial strategy and plan with your long- and short-term goals in mind. We'll finalize our recommendations and present them to you, answer your questions, make any necessary adjustments and then outline the actions we need to take to implement your plan.


Once the plan meets with your approval, we begin implementing it by making investments on your behalf. We focus on quality investments that meet our rigorous due diligence process, diversifying between growth and value investments, varying capitalization, combining low-correlating assets and globalizing your portfolio. We'll be fully engaged in opening and transferring accounts, reviewing key issues and using the extensive resources available to us through Raymond James.


Once your plan has been implemented, we continually monitor its performance and manage its components so that your asset allocation remains aligned with your personal objectives. We meet periodically to review and rebalance your portfolio, shift allocations and make tactical moves. We factor in any significant changes in your life, suggesting and making appropriate adjustments as necessary to ensure that your plan remains true to your needs over time.