Why Work With a Financial advisor?Document Transcript
Why Work With
a Financial advisor?
Making investment decisions
is tougher than Ever today
These are exciting – and complex – times to
invest. Today’s financial marketplace offers you
about 15,000 U.S. stocks, over 14,000 mutual funds
and a host of other investments – all with varying
levels of risk and potential return. With all of
these choices, making the right financial
decisions isn’t always easy.
That’s why working with a financial advisor is
more beneficial than ever.
Why consult a Financial advisor?
A financial advisor can help you
develop a sound investment strategy
Successful investing involves developing a long-
term financial strategy for your individual needs.
A financial advisor can help you through every
step of the process, including:
I Examining your financial goals and
I Reviewing and selecting appropriate
I Monitoring and updating your portfolio
as your life changes.
A financial advisor may help
you increase your returns
More than 50% of investors who turn to
financial advisors cite portfolio growth as the
reason, according to a recent survey.1
A financial advisor can help you employ a
long-term investment strategy based on facts and
careful research, rather than on emotions and
short-term market swings.
A financial advisor can guide you through
all types of market conditions
Many investors believe that reading financial
magazines or watching investment programs
on television can help them make wise financial
decisions. Others use discount brokers or call
“do-it-yourself” no-load “800” numbers.
These investors may be at a disadvantage when
financial markets decline and they’re unsure what
to do. A financial advisor can offer you personal
attention and long-term guidance during the good
times and the bad – when you may need it most.
According to the 2004 Certified Financial Planning Board
Why choose raymond James?
At Raymond James, we have the knowledge and
experience to guide you through every step of the
We can review your financial situation in
depth, taking into account your income, assets,
liabilities, current portfolio, risk tolerance and
investment time horizon in order to help you to
define specific financial goals.
We’ll use leading-edge technology to access
and evaluate up-to-the-minute market data,
research reports, and other economic and
financial information. Our computer-generated
models can show you how asset allocation and
investment diversification may enhance your
portfolio as well as how much time you may need
to accumulate a specific amount of money (for
example, for retirement).
We seek to meet your needs by offering you a
variety of investments and services – including
stocks, bonds, load and no-load mutual funds,
CDs, insurance, annuities, trust services, asset
management, retirement plans and banking
services. And through regular meetings with
you, we’ll evaluate the performance of your
investments to ensure that they remain in line
with your goals.
We can Play a valuable role in helping
you Plan for your Financial Future
At Raymond James, we offer comprehensive
services to guide you through various stages
of your life, including retirement planning,
education planning, tax planning and estate
In addition to our traditional, commission-
based investment accounts, we have a variety of
fee-based accounts. Based on the type of account
selected, clients can choose between an annual
fee or a combination of fee plus flat transaction
We can save you time by helping you review
investment and financial data and determine
what information is relevant to you, as well
as assist you with the paperwork that often
accompanies investing. We can educate you
about changes in market conditions, tax laws, and
economic trends and events that may influence the
performance of your investments.
We can be a partner you can trust and count on
in uncertain economic times.
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
our services Extend Far Beyond
helping you select investments
Confidentiality is a top priority in our
We understand the trust our clients place in us,
and we don’t take that trust for granted.
Naturally, any business you do with us is held
in strict confidence – just as you would expect
from your physician, attorney or any
We’re on your side
At Raymond James, we give our clients objective
information and guidance. Unlike some financial
advisors at other investment firms, we’re not
required to sell specific products. That means we
can help you select the investments that are right
We’re with you for the long term
Successful investors make decisions based on facts
and careful research, not emotions. However, we
know that’s not always easy to do, especially in an
As your financial advisor, we can help you employ
disciplined, long-term investment strategies,
rather than reacting to short-term market swings.
We can also help you set reasonable investment
goals and stick to them.
We’re ready to Build a long-term
Partnership With you
At Raymond James, we understand how
important your financial future is to you.
When you choose to work with us, you’ll
receive financial expertise, personal attention
and long-term guidance that you just can’t get
from magazines, discount brokers and no-load
We believe those are services you can’t afford
to be without.
Your financial future is important
Don’t trust it to just anyone
Raymond James Financial (NYSE-RJF) is a
Florida-based diversified holding company
providing financial services to individuals,
corporations and municipalities through its
subsidiary companies. Its three wholly owned
broker/dealers, Raymond James & Associates,
Raymond James Financial Services and
Raymond James Ltd., have more than 4,770
financial advisors serving approximately 1.6
million accounts in 2,200 locations throughout
the United States, Canada and overseas.