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Financial Planning Process

If you are like most Americans, you probably have no idea how much money you will actually need to retire comfortably. A small percent will be financially independent when they reach age 65. Social Security and a company pension plan together may only provide a portion of needed retirement income. The rest will be up to you. Our investment representatives use a five-step process to work with you to help plan for your retirement and other financial goals.


The Five Steps of Financial Planning
1. We review your overall personal financial situation, past and present to discover your financial objectives.

2. We help you set your priorities for the future - education costs, retirement, or wise investments.

3. We help you determine the degree of risk you are comfortable in taking with your money. Risk is balanced against your desire to make your money grow over time.

4. We identify the resources you will need to meet your goals and outline a systematic program designed to enable you to meet tomorrow's objectives.

5. We offer solutions for reaching your goals by recommending the types of financial investments suitable to your needs.


Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.