Annual Investment Advisory Fee Services
The team of Richard Hendry's wealth management practice at Raymond James Financial Services are ready to assist you with questions you may have about portfolio management, investments, education plans, insurance, estate planning and retirement planning.
It is our goal to assist you with improving the returns on your portfolio, to help you meet your overall financial planning goals, and to maintain the level of communication necessary to keep you abreast of any financial concerns surrounding our ever-changing economy.
Our investment advisory service is designed to be a pro-active means which will allow us to regularly re-evaluate your investment and financial planning needs. Our investment advisory fees will be established during your initial consultation and will vary depending on what percent of assets require active management in your accounts and what level of financial planning service you require of us.
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Investment Portfolio Allocations – In an effort to ensure we are on track to achieve your overall financial planning goals, we will review the progress of your plan relative to your overall investment allocations and update your portfolio in response to the current market environment. We will provide a report detailing the cost, current balance, gains, losses and rates of return for each investment we helped you select. We can also provide these reports upon request at other dates.
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Investment Risk Management – We can provide active risk management solutions for managing your downside risk of your portfolio and capturing profits through the use of stop losses and trailing stop losses.
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Income Tax Return Information Support – We can provide limited tax reporting assistance to you by compiling the pertinent tax information related to any investments which we helped you select. We can provide you or your accountant with the data necessary to file a complete and accurate return. (Raymond James does not offer tax advice. Please consult your tax advisor for questions regarding your tax situation)
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Life Insurance, Long Term Care, Disability Analysis – We offer each client a thorough life insurance, Long Term Care and Disability analysis. We will review your current insurance needs and implement any required changes.
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Budgeting and Cash Flow Analysis – We will compare your current budget requirements with your expected income in an effort to find savings which could potentially fund other financial goals such as retirement or life insurance needs.
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Retirement Income Planning – We provide you with an in depth portfolio analysis which includes projections to gauge the success of your distribution rates over the course of your retirement. Whether you are retired or approaching retirement, we will analyze your investments to find any additional cash flow which could fund your retirement needs.
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Establish Educational Accounts – We will review which education account is right for your children or grandchildren’s future college saving needs.
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Charitable Giving and Estate Planning Analysis – We will coordinate with your estate planning attorney to implement any estate planning needs for your family. Our team can provide information on charitable giving trusts, life insurance trusts, revocable or irrevocable trusts, and trustee services through Raymond James Trust department.
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Monthly Investment Newsletter – This will provide you with our current economic outlook and the projected impact on investments.
We look forward to working with you in the coming year.
Thank you for letting us help you with your investment and financial planning needs.
In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part II as well as the client agreement. Stop loss orders do not guarantee protection against a loss. In particular, during volatile market conditions, these orders may be executed at prices significantly below the "stop price" set.
Raymond James and its advisors do not offer tax advice. You should discuss any tax matters with the appropriate professional.
