Planning for your FINDING THE ADVISOR WHO’S RIGHT FOR YOU
ﬁnancial future is
more important – In today’s ﬁnancial markets, change remains the only constant. And as life expectancies increase, healthcare costs continue to rise, and uncertainty At Raymond James, we have built and maintained our strength as one of
and more complex – about the future of Social Security and personal retirement portfolios persists, coping with that change becomes increasingly difﬁcult. the nation’s foremost ﬁnancial services ﬁrms by focusing on attracting and
than ever before.
retaining skilled ﬁnancial advisors who share our commitment to conservative
That’s why you need a dedicated professional who not only understands the economic issues and the ﬁnancial markets, but who is committed
management, long-term planning and client service.
to helping you assess and meet your core objectives, truly cares about the unique issues you face, and has the ability to act in your best interest.
From our award-winning equity research team to our longstanding reputation
for client service; from our comprehensive technological infrastructure to our
extensive array of investment products and services, your Raymond James
advisor has the tools, skills and support to develop the solutions that suit your
Your Unique Goals A Matter of Choice? speciﬁc ﬁnancial needs. Your advisor can help you employ disciplined, long-
term investment strategies, and avoid reacting to short-term market swings by
Your Raymond James advisor’s role is not to identify the next big investment trend, Were those polled by the Spectrem Group forced While even the most skilled and dedicated
pick winning stocks or forecast the economy’s future. Instead, his or her focus to postpone their retirements? It depends. Some, advisors cannot completely protect their clients providing independent, objective advice, and offering you the needed balance
is on helping you uncover your unique ﬁnancial goals, aspirations, concerns and after going through the numbers, likely concluded against market declines, your advisor can be to appropriately diversify your portfolio and help you meet the full range of
constraints, and on developing strategies to deal with them effectively. Both you that, by working a few years longer, they stood invaluable in helping manage and recover from your ﬁnancial objectives.
and your advisor should understand how much – and what kind – of risk you are a good chance of living the retirements they had losses, as well as assisting you in remaining
willing to assume as well as the timeframes for achieving your goals. If life changes originally planned. Others may not have done focused on essential goals. Our advisors are focused on helping you and your family grow your wealth by
or ﬁnancial developments require adjusting your objectives, your ﬁnancial plan the math, but merely hoped that working longer ﬁnding the solutions – both broad and speciﬁc – that best suit your needs.
should be comprehensive and ﬂexible enough to accommodate those changes. would solve any prospective ﬁnancial problems. In addition, your ﬁnancial advisor can help
you determine whether specialized vehicles are From retirement and legacy planning to seeking more efﬁcient ways to manage
Establishing and implementing an effective, dynamic ﬁnancial plan is a process Some may have had other choices they could appropriate to your needs. For example, a living your cash, exit your business or diversify a concentrated equity position, your
that could entail some tough discussions about some hard choices. It, of course, also have made – for example, forgoing plans to trust or a speciﬁc type of IRA may be appropriate Raymond James advisor has the knowledge, skills and resources to help.
involves investing prudently: That requires a well-researched, diversiﬁed portfolio fund a grandchild’s education to ﬁnance their to your needs, while a special needs trust or an
based on a plan that factors in each of your goals, aspirations, concerns and constraints. retirement instead, or cutting back on their current education savings account may beneﬁt a loved one.
expenditures to generate more income in the
To help ensure your portfolio remains aligned with your key goals regardless of future. Still others may have taken multiple steps In late 2008, most investors lost 30% to 40% of
changes in your life or in the ﬁnancial markets, your advisor should regularly to ensure a comfortable retirement. Others may their net worth, according to the Spectrem Group.
review your portfolio with you and suggest adjustments as needed. For example, have done nothing at all. But regardless of the loss, the real question is,
according to a 2009 study by the Spectrem Group, more than one-third of working What will those investors do next? That is, how
individuals surveyed had recently changed their retirement plans and planned to And that’s where working with an experienced will they adjust their plans and their portfolios?
postpone retirement. You may think that you are among that group, but are you ﬁnancial advisor who understands your Will they continue to focus on reaching essential
sure? Together you and your advisor can evaluate your circumstances, determine situation, cares about your future and has the long-term goals, or will they respond emotionally
your speciﬁc situation and decide upon an appropriate course of action. independence to act on your behalf can make to market swings?
a signiﬁcant difference.
Diversiﬁcation does not ensure a proﬁt or protect against a loss