Guidance for the big picture and finer details
Guidance for every stage and phase
Perino Wealth Management of Raymond James is dedicated to providing clients with the finest individually tailored approach to investing. We assist a select group of affluent clients with investment and wealth management concerns by developing personalized strategies to address their complex needs.
We offer an institutional approach to investment and risk management coupled with the personal service from dedicated, hardworking, passionate individuals who are looking out for your best interests. We recognize the importance of staying abreast of the current issues that may affect our clients. Therefore, we set the bar high when it comes to our individually customized investment strategies that are designed to help meet client expectations and long term goals. Our commitment helps provide wisdom and insight needed to guide you through the complexities of preparing for retirement, growing a business, and developing strategies for transferring wealth to the next generation.
Perino Wealth Management focuses on six distinct areas
- Comprehensive Financial Management and Guidance
- Retirement Income Strategies
- Asset Preservation Strategies
- Investment Tax Considerations
- Estate Coordination
- Legacy Implementation
The six areas are implemented through a customized platform of 13 Wealth Management Disciplines. We work closely with other family advisors, including independent attorneys and accountants to help implement an overall financially sound plan which enables our clients to make more informed decisions about the investment and preservation of their assets and estate
MISSION STATEMENT
Our mission is to provide clients with the knowledge and advice needed to help them achieve their investment objectives. We are professionally and personally committed to their success by offering investment strategies structured to their individual investment objectives, time horizon, and risk tolerance.
Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.
Investing involves risk and you may incur a profit or loss regardless of strategy selected. Diversification and asset allocation do not ensure a profit or protect against a loss.
13 Key Wealth Management Components
- 1. Investments
- Asset Allocation
- Correlation of Investments
- Deconstruction Analysis
- Funds and Managers
- 2. Insurance
- Life, Disability, Long Term Care, Liability
- 3. Liabilities
- Amount, terms, owed to whom
- 4. Qualified Retirement Plan/ IRA Distributions
- Distribution Plan at retirement
- 5. Stock Options
- Type, Vesting, and Exercise Plan
- 6. Business Plan Succession
- Pre and Post Death
- 7. Durable Power of Attorney at Incapacity
- Estate Coordination
- 8. Gifting to Children/ Descendants
- History and Future Plans
- 9. Charitable Gifting during Life
- History and Future Plans
- 10. Titling of Assets
- JTWROS, TOD, etc.
- 11. Selection of Executor/ Trustee
- Legacy Implementation
- 12. Distribution Plan at Death to spouse/Descendants
- Direct vs. Trusts
- 13. Charitable Inclinations at Death
- Direct vs. Pool of Funds
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We realize the importance of investing time upfront to listening and getting to know you – building a good understanding of your personal goals, current financial situation, investment experience and risk tolerance. It’s also an opportunity to build trust and rapport, make you aware of our capabilities and explain the ways we can help you meet your objectives.
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Next, we will analyze what you’ve shared with us in order to design your comprehensive financial plan, taking into account the different pieces of your financial picture and make sure they cohesively fit together without any gaps or disparities. 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.
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With your approval, we will execute your customized strategy using the extensive research and resources available to us. This involves the selection of specific account types, investment products and optional services, and the handling of all necessary paperwork.
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Once your plan is implemented, we will review 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. We purposely maintain a close connection with you, so we are in step with your life and aware of any changes in your life that may warrant a revision to your plan.
