Our approach to personal planning

Your financial plan should reflect what matters most to you, based on a deeper understanding of your vision of retirement and other important goals. Achieving this requires us to apply our attention to detail and deep planning experience to your financial life, building a trusting relationship with you built on integrity and shared values.

Once your goals are clarified, we focus on the financial plan. We use a well-established and structured process to personalize a plan and portfolio for you, designed to pursue your goals and manage risk. To help ensure that your goals and our strategy for pursuing them are well-defined and on track, we utilize a sophisticated planning tool from Raymond James called Goal Planning & Monitoring. This powerful resource, together with our deep experience, helps align financial decisions with your vision for the future.

Creating a Shared Understanding

Getting to know you and your family is not only something we care deeply about but also critical in customizing your overall financial plan. We’ll build an understanding of your personal goals, current financial situation, investment experience and risk tolerance – then help you clearly define and prioritize your goals and evaluate the appropriate level of risk.

Designing a Personalized Plan

In this phase of the planning process, we will focus on developing an investment strategy for your assets, tax-efficient income and distribution planning, insurance planning and addressing any other gaps in your financial life. This phase also involves the selection of specific account types, investment products and optional services, and may include collaborating with your other professional advisors such as your tax professional and attorney. We will present our recommendations to you, answer your questions, consider alternatives and outline the steps we need to take to implement your plan.

Putting Your Plan into Action

With your approval, we will put your plan into motion, executing your customized strategy using our investment knowledge and the extensive research and resources available to us through Raymond James. We believe that a proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue your investment goals.

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

Keeping Your Plan in Step with Your Life

We’ll be here along the way to monitor the progress and make any needed adjustments that come from any changes in your personal life – all to keep you on track and aligned with your goals. Most of all, remember that we’re always here for you wherever life takes you.

IMPORTANT: 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. Results may vary with each use and over time.

There is no guarantee that any investment strategy will be successful. Investing involves risk including the possible loss of capital.