Objective Advice
Every investment should be a component of an overall investment strategy based upon the financial needs and objectives of its owner.
One's financial needs and objectives are based upon risk tolerance, reward expectation and time horizon of specific financial goals, all focused on the long-term.
Our advice is based upon these parameters.
Diversification
Some failed financial plans have violated this first rule of investment management. Diversification minimizes the risk of catastrophic loss. By investing in multiple asset classes - with multiple managers, in multiple industries, over multiple economies - one achieves diversification.
Although highly concentrated portfolios can succeed, we believe the risk is not worth the reward.
We advise all clients to maintain diversified portfolios.
*Diversification does not ensure a profit or guarantee against a loss.
Professional Management
For the majority of our clients' assets, we utilize outside money managers; either through mutual funds or through separately managed accounts to implement the tactical management of accounts.
We develop our relationships with clients, seeking to understand their unique needs and circumstances, then select professional money managers to manage pieces of our clients' overall portfolios.
In addition, we rely on the resources and research of Raymond James Financial Services, Inc., for information on individual stock, bond, banking and insurance products, as well as technical, administrative, marketing and compliance support.
Cost-Effective Services
We seek to provide value to our clients and recognize that all fees, commissions and charges of any sort are an anchor carried along in the race to help achieve financial objectives.
We believe that full disclosure of all fees and expenses is in all parties' best interests and that lower expenses are better than higher expenses.
We believe our business model is more efficient than most, and we pass the savings along to our clients.
Tax Minimization
For most financially successful people, taxes are their greatest expense; and therefore one which can be most productively managed, planned for and minimized.
The strategic use of qualified plans, IRAs, Roth IRAs, capital gain management, account ownership, 529 and Education IRAs, as well as beneficiary designation, stretch IRAs, and estate planning may result in significant tax advantages and net-worth preservation.
Any opinions are those of the FA and are not necessarily those of Raymond James.
