Annual, Semi-Annual or Quarterly Portfolio Reviews: Frequency of client and financial advisor meetings to review portfolio and retirement plan.

Risk Score Selection: Selection of a score on a 0 – 100 scale that corresponds with your investment tolerance, investment experience and objectives.  The risk score assists in selecting and developing your overall asset allocation and portfolio.

Portfolio Selection: Design, Selection and Implementation of an overall asset allocation across your investment portfolios.

Asset Allocation and Portfolio Monitoring: Determine what portions of your portfolio holdings are to be invested in the various asset classes and monitoring of portfolio.

Retirement Needs Analysis: In Goal Planning & Monitoring, you choose an importance level from 10 to 1 (where 10 is the highest) for each of your financial goals. Then, the importance levels are divided into three groups: Needs, Wants, and Wishes. Needs are the goals that you consider necessary for your lifestyle, and are the goals that you must fulfill. Wants are the goals that you would really like to fulfill, but could live without. Wishes are the “dream goals” that you would like to fund, although you won’t be too dissatisfied if you can’t fund them. In Goal Planning & Monitoring, Needs are your most important goals, then Wants, then Wishes.

Investment Policy Statement: Create investment policy statement (IPS between financial advisor and client to outline general rules for the financial advisor. This statement provides the general investment goals and objectives of a client and describes the strategies that the manager should employ to meet these objectives.

Performance Reporting: Generation and communication of Portfolio Performance Reports sent from financial advisor to client.

Social Security Selection and Maximization: Assist in selecting the Social Security Strategy that provides you with the highest probability of meeting your goals. Communicate the strategy that provides the highest estimate of lifetime Social Security income, assuming you live to your life expectancy age(s).

Ongoing Outside 401(k) Advice: Provide asset allocation and investment recommendations for accounts Raymond James is not the custodian for.  These are most commonly 401(k) plans provided through employers.

Digital Document Organizer/Online Vault: Password protected web based portal that ca be accessed from anywhere that stores all of your key financial documents.

Retirement Income Planning:  Determine retirement income goals and the actions and decisions necessary to achieve those goals. Retirement Income Planning includes identifying sources of income, estimating expenses, implementing a plan/program and managing assets to best achieve retirement income goals.

Risk vs. Return Analysis: Provide client(s) with a Risk vs. Return report that compares a portfolio’s performance (plotted on the y-axis and measured as time-weighted returns) against the amount of risk the portfolio assumed to reach those returns (plotted on the x-axis and measured as standard deviation). Portfolios can be compared against up to 4 benchmarks for a selected time period. In order to provide an accurate evaluation of a client’s portfolio, a minimum of 12 months of account history must be established and all custom time periods must have a duration of at least 12 months.

Projected Cash Flow Reporting: Review and Projection of Cash Flow Surplus/Deficit through the length of the client’s retirement.

Contributions and Withdrawal Analysis: Overview and analysis of an account(s) portfolio’s contributions and withdrawals for a selected time period.  Analysis will compare to the withdrawal amounts to the client’s retirement goal spending target amount.

IRA RMD Planning: Creation of a Required Minimum Distribution strategy for the client’s IRA.

Capital Gains Tax Planning: Review of portfolio for potential tax loss harvesting opportunities.  

Beneficiary Designation and Review:  Monitoring and communication of beneficiary designations and ensure they effectively match the client’s wishes.

Account Registration Review:  Review of account registrations to determine the best strategy is selected to limit liability and estate tax based coverage needs.

Wealth Transfer Strategies: Creation and implementation of strategies to protect the client(s) and their legacy while identifying any available tax reduction strategy.

Gifting Strategies: Strategy to gift and remove assets from the client(s) gross estate and potentially reducing estate taxes that could be due upon death.

Estate Planning Assessment: The Estate Planning Assessment is designed to assess the client(s) current situation and provide suggestions on how to better preserve, protect and transfer wealth to those individuals and organizations whom they care about the most.

Charitable Planning Strategies: Create a Charitable Remainder Trust (CRT).  This an irrevocable gift to a charitable trust that provides income in return.  Client(s) can benefit through an income-tax deduction and the right to receive annual income, and at death any remaining assets pass to the charitable organization.

Long-Term Care Planning: Determine the impact to the client(s) portfolio and dependents quality of life if nursing home care or assisted living is needed.  If impact to portfolio is negative, Long-Term Care options will be reviewed with client(s).

Life Insurance Planning: Review the impact to the client(s) portfolio and dependents quality of life if there is a death to either client.  If impact to portfolio is negative, Life Insurance options will be reviewed with client(s).

Disability Needs Planning:  Determine the impact to the client(s) portfolio and dependents if either client becomes disabled.  If impact to portfolio is negative, Disability Insurance options will be reviewed with client(s).

Education Funding Strategies:  Creation and implementation of college savings account strategies needed to accomplish education goals.

Summary Fee Report for Tax Preparer: Report containing the client(s) management fees and account expenses activity over a period of time.

Restricted Stock and Stock Option Analysis:  Analysis of Restricted Stock and Stock options to determine if there a catalyst for exercise.  Are securities nearing expiration? Separation of employment? Specific liquidity needs? Absent a catalyst, we will determine the strategy that will provide the largest percentage increase to the client(s) retirement plan probability of success.

Access to Exclusive Private Client Events:  Invitation to annual appreciation events organized and tailored for client(s).

Coordinate Annual Meeting with Family and other Advisors:  Organization of an annual meeting with all parties that are important to the client(s).  These individuals are determined and provided by the client(s) to the financial advisor.