The foundation of any well-conceived financial plan comes from truly knowing each client individually, and establishing and implementing an effective goal plan tailored to each client. Our sound advisory process provides much-needed discipline and gives us an orderly way to identify relevant strategies for fully addressing your needs. The plan we create will be comprehensive and flexible enough to accommodate any revisions as your life changes.
We’ll build an understanding of your goals, financial situation and learn about any constraints or concerns. We’ll ask insightful questions such as “If you had more time or money, what would you do?” “What do you want to accomplish or attain so you will feel that you’ve had a life well-lived?” “What moves, touches, or inspires you?” Together, we’ll determine how much and what kind of risk you are willing to assume, as well as the timeframes for accomplishing your objectives. Using the sophisticated Raymond James Goal Planning & Monitoring software, we’ll identify and enter your goals to assess appropriate asset allocation targets, spending or savings rates, and then share the results with you.
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.
Changes in life, business, or in the financial markets can certainly affect your plan. Because change is inevitable, we’ll meet with you to help ensure we fully know your current situation, and that your plan remains aligned with your key objectives. A key to this step is your involvement and communication of any significant changes in your life.
The projections or other information generated by Goal Planning & Monitoring regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The return assumptions in Goal Planning & Monitoring are not reflective of any specific product, and do not include any fees or expenses that may be incurred by investing in specific products. The actual returns of a specific product may be more or less than the returns used in Goal Planning & Monitoring. It is not possible to directly invest in an index. Financial forecasts, rates of return, risk, inflation, and other assumptions may be used as the basis for illustrations. They should not be considered a guarantee of future performance or a guarantee of achieving overall financial objectives. Past performance is not a guarantee or a predictor of future results of either the indices or any particular investment. Goal Planning & Monitoring results may vary with each use and over time.