Wealth management for families and individuals
Our team serves successful families and individuals who understand the importance of having a well-designed financial plan for addressing essential priorities including funding their children’s college educations, preparing for retirement, building a legacy, and more.
Our ongoing goal is to serve as your financial advisors for life, managing and preserving your wealth and building your legacy – so you are free to focus on the things in life that matter most.
The advisors on our team have years of experience in addressing important financial matters such as asset preservation, tax planning, managing cash flow, managing education debt, valuing a company or practice for purchase or sale and, ultimately, financial independence. Here is how we’ll go about building a wealth management plan for you, using our four-step process:
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Discover
We look to understand your financial goals and situation.
We work with you and your professional team, concentrating on these eight areas:
- Employment information, including current salaries and employee benefits
- Real estate, including primary and/or vacation homes and rental properties, including mortgages
- Savings and nonqualified investments, including how those assets are allocated
- Qualified investments, including IRAs and 401(k)s and their allocations
- Any other personal property you have, including any debt held against that property
- Insurance, including life, long-term care and/or disability
- Outside businesses or entities, including benefits and succession planning
- Estate planning, including wills, powers of attorney and/or trusts
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Design
It all starts with a plan.
We believe that recommendations are not effective unless a plan is in place, just as no one would take a medical prescription before the proper diagnosis is made. Taking your specific circumstances, we create and review your personalized plan and reassess and reprioritize your goals if necessary. It is during this time that we look at your present trajectory and determine if alternatives are necessary. Whatever your needs and circumstances, we will look to maximize the potential for achieving those goals. -
Deploy
Implementing your plan
After agreeing on the recommendations outlined in the financial plan, we will begin paperwork needed for implementation while introducing the variables we can control:
- Asset allocation based on your appetite for investment risk and future needs
- Cost, based on today’s dollar value
- Timing of your financial objectives
- Current and future savings
We may discuss adjusting any or all of these variables, depending on your preferences and abilities. We will present our findings and any implementation opportunities that may exist. At this time, if the implementation recommendations are mutually agreed upon, we will begin the needed paperwork for implementation and monitoring, and we will introduce how our team will assist you in achieving your financial objectives.
We will demonstrate the features of your new Raymond James accounts and set up specific periodic communications to stay on top of the latest news. We will also ascertain your service and communication expectations and set the foundation for how we will continue the journey toward your financial goals.
Asset allocation does not guarantee a profit nor protect against loss.
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Deepen
This may be the most important phase in our process.
Here we bring the process full circle, continually monitoring and updating your financial plan. We work with your professional teams to rediscover and monitor changes in our eight areas of concentration and their effects on our four variables of analysis. This re-circling allows us to redesign and redeploy your fluid financial plan, making sure your investments are still on track to realize your financial objectives and intentions in the most efficient and effective way possible.
