Most people haven't had the time to step back and assess their finances. Their financial picture looks more like Picasso and less like Rembrandt. They're a mess of 401k's, IRAs, several saving accounts, and the CD they were gifted from Dad a few years back. That's ok. We sift through the mess and help make sense of it all.
What We Do
We take our clients through a deliberate process designed to assess your current financial picture, identify your goals, formulate a plan to achieve those goals, and measure & mitigate the risks that threaten that plan. We do this through a process we refer to as our Five-Star Formula.
1. Goal Planning
- Determine goals & objectives
- Retirement, college, business sale, wealth transfer, gifting
2. Cash Flow & Budgeting
- Cash flow & net worth analysis
- Retirement income planning: Social Security, Pensions, Annuities
3. Comprehensive Investment Management
- Create Investment Policy Statement (IPS)
- Portfolio construction & asset allocation: IRA's, Roth IRA's, 401(k), 403(b)
4. Risk Management
- Insurance review: Life, Long-Term Care & Disability
- Variable annuity analysis
5. Estate Planning
- Legal document review: POAs, trusts, wills, etc.
- Wealth transfer & charitable gifting strategies
Who We Serve
We believe everyone deserves to be someone's best client. We also believe our clients deserve advisors who know the intricacies of their lives and careers - advisors who can anticipate and meet their needs before they even know a need exists. No two clients are alike, for this reason, we have chosen to specialize in working with certain families and individuals where we have expertise so that each client will experience the best advisory relationship.
Executives are at the top in part because they're good at their jobs. But also because they work work well with people and know how to get results.
Entrepreneurs know a lot about their craft...and a bit about everything else. They are discerning, hardworking & able to deliver what their customers need.
If you don't sell, you don't eat. Being a sales professional means knowing your product inside and out, perfecting your pitch and calling on prospects. Lots of them.
Being elite in any sport requires physical and mental discipline, self denial, and grit.
To view the background of our advisors and our firm, please visit FINRA's BrokerCheck Website
What We Believe
We believe our purpose is to use our gifts and talents for the benefit of our clients and families so that they can live with a sense of financial confidence. We believe in bringing professional leaders together and in providing good jobs and a quality work environment that is mutually beneficial to all of our team members.
We value prudent financial stewardship. Our clients work hard for their money, and they trust us to advise them with wisdom, striving for growth while taking responsible and comfortable levels of risk.
Our mission is to help our clients accumulate wealth, manage it properly, and pass it on in the most tax-efficient way possible. We make every effort to clearly communicate with our clients, provide them the highest level of service with integrity, and offer them a wide range of investments through our affiliation with Raymond James.
Who is raymond james?
Raymond James Financial Services, Inc.
Founded in 1962 by Bob James and headquartered in St. Petersburg, Florida, Raymond James has grown into one of the largest independent financial firms in the United States. Raymond James embraces long-term planning, values methodical decision-making and remains true to its core tenets of conservatism, independence, integrity and putting clients first.
What It Costs
We believe that a client relationship should be long-term and all encompassing. Therefore, we have eschewed the traditional commission-based business model which rewards sales activity and can lead to a conflicts of interest. In contrast, we provide a straightforward fee-based model which negates conflicts of interest, puts the client first, and is consistent with our continuous client service model. Depending on the products used for each client's situation, our advisor fee follows the following general guideline.
1.75% for the first $500,000
1.25% for the next $500,000
.90% for the next $4,000,000
Above $5,000,000 is negotiated
WHAT IS A FIDUCIARY?
A fiduciary is someone who must give advice that is in the best interest of the client without regard to any compensation that person might receive. Our philosophy of service always has been and always will be about putting the client first. Whether or not your advisor is a fiduciary in many cases depends on the kinds of product they are selling. For instance, a fee-based account is often associated with the advisor being a fiduciary. Whereas a commission-based account often is not.
Choosing the right team for your financial and retirement needs is just as important as the decision you make to buy a house or a car. It requires time and sound research. We’ll take that time to get to know you and clearly understand your goals. You’ll have opportunities to ask questions about us, the services we provide, what we charge, and how we work with clients. If you'd like to know more, we invite you to take a minute to fill out our brief confidential online questionnaire. We'll review it and call to chat with you about your needs and how we might be a fit for each other.