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At Raymond James Financial Services, Inc., our investment philosophy goes beyond the typical objectives of diversification, preservation of principal and capital appreciation. While we agree that these are important objectives for the vast majority of our clients, we also believe your portfolio deserves even more. We’re dedicated to placing each client’s financial well being first.
Our team of wealth management professionals provides personal financial planning services individually tailored to meet your needs and serve asa map of how to achieve your financial goals. With the use of state-of-the-art interactive software, we develop a plan for you encompassing such key issues as investment planning/asset allocation, estate and wealth transfer planning, tax planning, risk management and insurance planning and/or asset protection planning.
Step 1: Listen
That’s why we begin the financial advisement process by listening to you. Only after listening to your needs and desires for the future can we effectively recommend a tailored asset allocation strategy.
Step 2: Organize
Once we have a mutual understanding of your financial goals, the next step is to organize your assets into basic categories:
- Stock
- Fixed income
- Cash equivalennts (money market)
- Real estate
- Other tangible assets
Categorizing your assets enables us to review your portfolio’s existing allocation in relation to your current needs and objectives, revealing areas that might require special attention — including recommended changes that may protect and strengthen your portfolio. The result is an overall picture designed to help you attain greater control over your investment plan. This asset organization process also allows us to supply a comprehensive listing of your current investments upon request; this list can be invaluable for tax preparation and other purposes. |
Step 3: Create Asset Allocation Model
Next, we create an asset allocation model designed specifically to help meet your individual needs. This model — when compared to your existing allocation— can help identify potential shortcomings while providing an understanding of how those shortcomings can be turned into strengths.
Step 4: Adjust and Modify
At this point, we discuss possible adjustments to or restructuring of your portfolio to meet the parameters established by your new asset allocation model.
Step 5: Monitor
Once we have created and implemented a specific model, periodic reviews help ensure that your portfolio is on track and provide opportunities for us to discuss any changes that may be appropriate. We welcome the opportunity to meet with you to discuss your personal financial situation and provide you with a detailed Portfolio Evaluation.
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