Comprehensive guidance to support your needs
Our clients are a diverse group ranging from individuals and families to businesses. We recognize the differences in the lives and business of our clients and we are committed to providing personal financial guidance.
-
Markets fluctuate but relationships shouldn’t. At Vision Investment Planning, we desire to know more about you than your balance sheet. We want to understand who you are and what you want to accomplish so we can tailor our advice and service to your life plans.
Making introductions
Our initial appointment is designed to see if you and our team will work well together. It is an informal yet personal conversation to give you an opportunity to tell us about yourself. What are your aspirations? What makes your heart sing? What keeps you up at night? What do you value most?
Creating a plan
Our next appointment or two will focus on developing a financial plan that addresses your goals and concerns. Using what you have shared with us, we will research appropriate investment options and strategies, creating a customized plan for you. We’ll share the plan in an interactive and visual overview, exploring different scenarios and answering key questions around goals such as retirement, education funding, taxes, and other wealth management issues .
LEARN MORE -
Our aim is to provide professional, thorough guidance to you and your loved ones as your family grows and matures over the years.
If you are early in your career, we can help you start investing an appropriate percentage of your income, design a budget, payoff student loans, or save for upcoming expenses like buying a home. We make sure you have a proper defense in place with an emergency fund and life and disability insurance so you can accumulate and grow your assets for the long term.
If you are mid career, we can discuss ways to save for your children’s college education, maximize your best earning years, and craft a portfolio that will support your retirement and future income needs.
We will guide you through the many transitions ahead, creating a customized financial plan and adjusting it as life changes.
Consider us your financial steward, handling the details of your wealth and legacy so you are free to invest your time elsewhere – enjoying your life and the people you cherish.
LEARN MORE -
With retirees living longer, more active lives, it’s essential for your retirement plan to work for you, helping you enjoy the life you’ve envisioned.
Working together, we talk about what you need and want your money to do for you and assess the likelihood that you’ll be able to achieve these goals. If you have to make tradeoffs, we help you there, too, showing you how small compromises might make a big impact over the long term. We talk about how to create a retirement paycheck from your assets and what changes we need to make to your investments to increase stability yet maintain growth for the years ahead. We address issues specific to your life stage such as Medicare, optimizing Social Security, and insuring long term care costs. We plan for required withdrawals from your IRA’s, minimizing taxes when possible, and making sure we plan for longevity and inflation. As your lifestyle changes, we update your financial plan to keep you moving in the direction you want to go.
We also assist with estate planning, making sure you pass on not just an inheritance but a legacy. Along with your attorney, we help you establish an integrated plan to help those you love and protect your estate all while honoring your values. Raymond James has the resources you need to maximize the impact of your charitable giving, possibly using strategies such as Donor Advised Funds or Charitable Gift Annuities.
Our mission is to serve as an extension of your family, handling everything related to managing and preserving your wealth, and building your legacy – so you are free to focus on enjoying your life and the people important to it.
LEARN MORE -
We are your partner on the journey to a new financial independence….
Our team specializes in helping clients who have lost their spouse due to death or divorce. These life changes require a number of key financial decisions to be made while you are still dealing with emotional stress and grief. We make sure you are prepared for issues like medical bills, attorney fees, Social Security decisions, and revising your beneficiaries. We help you understand how to manage your money and feel secure that you have sufficient income for your lifestyle, especially if financial management is an unfamiliar role to you. Together, we will develop a plan that addresses the immediate and long term implications of your new situation.
Our mission is to guide you through the crucial decisions ahead to make sure you feel confident in your finances and future – so you can heal and move forward with your life.
LEARN MORE -
Investors don’t have to choose between making a profit and making a difference.
At Raymond James, you have access to a suite of values-based investing options that allow you to align your financial future with your personal values.
Decades ago, exclusionary screening emerged as a way for investors to opt out of contributing to industries they found objectionable, such as tobacco, adult entertainment, or nuclear weapons. Emerging now as the logical next step is sustainable investing, a much sought-after strategy that allows investors not only to rule out certain companies, but to purposefully invest in those making a positive impact in the world.
Please let us know if you would like to talk further about screening out or supporting any of the below areas:
Faith screens
- Adult entertainment
- Tobacco/alcohol
- Embryonic stem cell research
- Contraceptives and abortion
Environmental Screens
- Climate change
- Nuclear power
- Environmental policies
- Fines and regulatory actions
Social Screens
- Workplace diversity
- Human rights
- Animal testing
- Product and workplace safety
Governance Screens
- Board composition
- Audit and accounting
- Corporate transparency
- Board independence
Growing Interest
- $8.7 trillion Sustainable investing assets in the United States more than doubled from 2012 to the start of 2016.
- $1 in every $5 Assets under management using sustainable, responsible and impact strategies accounted for more than one out of every five dollars under professional management in the United States in 2016.
- 40% Increase in number of funds incorporating ESG criteria from 2012 to 2016.
Source: US. SIF Foundation, Report on U.S. Sustainable, Responsible and Impact investing Trends, 2014 and 2016.
*This investment strategy may result in investment returns that may be lower or higher than if decisions were based solely on investment considerations and could result in either underpeIfor-mance or outperformance of the market as a whole.
Different Approaches to Sustainable Investing
While there is a common theme of pursuing a greater purpose there is much variety within sustainable investment strategies, particularly in how they are implemented. Implementation generally takes the form of one or more of the following approaches:
Exclusionary Screening
- Viewed as the original approach to “responsible" investing
- Also known as socially responsible investing or negative screening
- Excludes individual companies or entire industries from portfolios if their activities conflict with an investor's values, such as fossil-fuels, gambling or alcohol
- Limits investable universe, which could impact diversification
Impact Investing2
- Aims to have a social or environmental impact alongside financial return, with a focus on intentionality and measurement of impact
- Ranges from grant support to private equity: liquidity risk and return target can vary dramatically
- Most common products are funds invested in private equity and venture capital
- Accredited investors and funds are the leaders in impact investment by asset level
Integration
- Combines ESG criteria with traditional financial considerations
- Gaining momentum as portfolio managers consider ESG themes in their decision-making process
- Sometimes implemented as a best-in-class approach by identifying and investing in companies that are the highest ESG performers within a sector or industry group
- A study conducted by the CFA Institute cites integration is the most commonly used method'
Other dimensions
- Thematic investing — focuses on a specific ESG theme, and structures a portfolio around companies or industries that support that theme
- Shareholder engagement (activism) - actively engages with a company, directly working with management or exercising shareholder rights to effect change
1CFA Institute, "ESG Issues in Investing: Investors Debunk the Myths." 2015.
2Global Impact Investing Network, "What You Need to Know About Impact Investing,"
https://thegiin.org/impact-investing/need-to-know/#s2
LEARN MORE
