Our Approach

Our Wealth Management Approach A 4-phase process designed to reflect your individual goals, personal situation and risk tolerance

Phase I Initial Assessment

We begin by conducting a detailed review of your financial world. We’ll assess your goals, current asset allocation, and the composition of your net worth. Then we’ll help you develop investment objectives and performance measures. The more we know about you and what you want to accomplish, the better we can help.

Phase II Financial Plan & Recommendations

Using the information you shared with us, we’ll craft a personalized wealth management plan. We’ll make appropriate asset allocation recommendations based on your goals and timeline, help select appropriate investments within each asset class, and work with you to help mitigate the erosive effect of taxes.

Phase III Agreement & Implementation

Once you’re comfortable with our plan and recommendations, we’ll work with you to develop an efficient reallocation plan. We’ll oversee the transfer of your assets to Raymond James, recommend specific financial products and investment managers, and assist with the allocation of assets that can’t be managed or held at Raymond James (such as 401(k) plans). To help ensure your strategies are integrated cohesively, we’ll also collaborate with your other trusted advisors (such as your CPA and attorney) as necessary.

Phase IV Review

We continually monitor, review, and assess the progress of your plan, and we’ll recommend appropriate changes on an ongoing basis. We’ll send monthly statements with a year-end recap, quarterly performance reports for discretionary management accounts, and conduct two in-depth reviews with you each year. Our objective is to keep you informed and on course, and we’re here for you any time you have a question, request, or concern.

Our Wealth Management Strategies Carefully Aligned To Your Goals, Preferences, and Season of Life

We help you manage wealth in a manner that employs a thoughtfully considered balance of different strategies, depending on your current situation and where you on your journey. Throughout your career, you've made it a goal to grow your wealth, but once you've accumulated a significant level of assets, preserving it becomes very important. As you transition into retirement, the objective of generating income comes into more prominence to support the lifestyle and interests you have become accustomed to enjoying.

Growth Strategy

A growth strategy seeks to maximize capital appreciation of an investment portfolio over the long term through an asset allocation geared to securities with high expected returns. It can include investments such as U.S. stocks, international stocks, variable annuities, real estate, and real estate investment trusts (REITs).

Preservation Strategy

Preservation of capital is a conservative investment strategy where the primary goal is to preserve capital and prevent loss in a portfolio. It can include investments such as money markets, CDs, Treasuries, immediate annuities, short-term bonds (taxable), and municipal bonds.

Income Strategy

An income investing strategy refers to putting together a portfolio of assets specifically tailored to maximize the annual passive income generated by the holdings. It can include investments such as CDs, intermediate/long-term bonds, tax-free bonds, government agency bonds, zero coupon bonds, preferred stocks, foreign bonds, growth and income funds, utility funds, equity income funds and balanced funds.

Asset Allocation does not assure a profit or protect against loss in declining financial markets.

This material does not provide individually tailored investment advice.  It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.  The strategies and/or investments discussed in this material may not be appropriate for all investors.  Steward Partners recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Wealth Manager.  The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.