Building A Balanced Portfolio

Having many of the investments and financial planning alternatives available through one trusted source is important to most investors. At Raymond James, we provide our clients with a selection of alternatives, all reported on one comprehensive statement for their convenience.

Planning: The Key to Financial Success

In life, we pass through several phases, each with different financial requirements. For example, the financial needs of a young married couple are not the same as those of a retired couple. That is why continuous, long-term planning is essential. Typically, there are three basic financial steps most people take in life. They include:

• Wealth accumulation - the building of a solid, diversified financial foundation from which to expand over time. During this phase, allocation of money for a home, investments, life insurance and educational expenses is coordinated with tax planning strategies to ensure that current and future income is utilized effectively.
• Wealth conservation - the inclusion of a variety of investment strategies and further diversification, designed to preserve and grow assets to help ensure adequate funds for current living expenses and future retirement needs.
• Wealth distribution - the proper allocation of assets to heirs. Good estate planning should provide for the orderly transfer of assets while avoiding unnecessary tax burdens.

Financial Calculators

• Budget worksheet
• College Savings
• Cost of Waiting
• Net Worth Calculator
• Retirement Planning