Planning for life

One of the guiding philosophies of our practice, risk management plays a big part in how we manage your wealth. Although risk can never be completely eliminated, steps can be taken to help shield yourself from unnecessary risk. We implement this through portfolio diversification and hedging strategies; insurance including life, disability and long-term care; tax reduction strategies; identity theft strategies and guidance on family or business dynamics.

Diversification does not guarantee a profit nor protect against loss.

We believe that wisely managing debt is as important as managing your investments. We can help you evaluate options that include lending strategies such as a Securities Based Line of Credit, secured and unsecured loans and lines of credit, and business capital and commercial loans.

Securities Based Line of Credit provided by Raymond James Bank, an affiliate of Raymond James and is not suitable for all clients. The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. Products, terms and conditions subject to change. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the collateral call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and Capital Access.

With a diverse allocation to different sectors and investments in your portfolio, we strive to generate a more consistent, and positive, return over the long term. We consider stocks, bonds, mutual funds, annuities, options, alternative investments, CDs and fee-based managed accounts as we consider what we think is best to help meet your unique goals. Behind every investment recommendation, equity research has been reviewed, risk analyses have been conducted and due diligence has been performed, including on mutual funds and investment managers.

Asset allocation does not ensure a profit nor protect against loss.

While our clients share the desire to travel and live well, each of their lifestyles is truly unique. That’s why it’s important for us to understand the nuances of the life you have and want to maintain. Our deep discovery meeting includes questions to help us gain insight. We explore questions such as: What kind of life do you lead or aspire to lead? Is leaving a legacy important to you? How much have you saved for retirement? Is philanthropy a part of your plans, or do you want it to be? How you answer these questions helps us develop your personal, long-term financial plan.