Our Process

The process starts simply. We’ll sit down with you and begin the business of understanding your individual situation. We’ll ask questions like, “What are your short- and long-term objectives?” “What will the money be used for?” “What are your specific directions for how your investments should be handled?” “What is your tax situation?” And, more important, we listen to your answers.

Once we have a feel for your current situation and your future goals, and after we’ve made a clear assessment of your risk tolerance, we’ll begin to comb through our own list of thoroughly researched investments to identify those most suited to your circumstances and expectations. The mutual funds, stocks and bonds that make up our approved list are selected based on track record, stability of management, low turnover, a focus on companies with good cash flows, and, most important, a diligent research process.

Based on our research, we’ll construct a recommended portfolio, careful to consider and incorporate tax planning. We then analyze our recommendations using a sophisticated software system and also consider how each recommendation might be affected by changes in the economic or political climate.

Once the proposed portfolio is ready for your review, we’ll schedule a meeting to discuss each investment choice with you in detail to ensure you have a clear understanding of the logic behind our recommendations. Should you have any concerns, we will revise the portfolio until you are fully comfortable with it – no investments will ever be made without your full understanding and agreement.

With your approval, we will execute your customized strategy using the extensive tools available to us through Raymond James. This involves the selection of specific account types, investment products and optional services, and the completion of all necessary paperwork.

Once the portfolio is in place, the process is far from over. We will continually assess your portfolio as new information becomes available. This is one of the biggest mistakes that retail investors may make – they don’t change their minds, even when confronted with new information. In addition, we provide periodic performance reviews on a scheduled basis.