Your life is like the mighty Mississippi River. It winds its way over a great distance, curving and turning as it flows to the Gulf of Mexico. Sometimes, though, because of too much rain or an abundance of winter snow upstream, it overflows its banks, making everyday life that much more challenging. Other times, a drought can drop it so low that river traffic has to be halted. The Corps of Engineers constantly monitors the Mississippi to be aware of any potential hazards so it can take action when needed.

The goal of our process is to understand your "life river" and create a plan that gives it a steady flow, with interesting dips and turns but no floods or droughts. Then, like the Corps, we'll keep an eye on things and make any adjustments that are needed.

It's an orderly way to create a customized plan for you that addresses your needs. Here are the basic steps that outline the process we use for building your financial plan.


First, we'll build an understanding of your personal goals, current financial situation, investment experience and risk tolerance. We'll also make you aware of our capabilities and explain the services we offer that can help you meet your 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.


Once it is implemented, we will continually monitor the progress of your plan relative to your defined objectives and suggest any changes where needed. We accomplish this by providing ongoing reporting of your account activity and by conducting periodic reviews. A key to this step is your involvement and communication of any significant changes in your life.