Firm Overview
We provide financial planning services, including retirement planning, with cash flow analysis, tax planning and strategies to help you manage your tax burden, as well as estate planning and trust services, offered through Raymond James Trust. In addition, we deliver customized investment management and ongoing advice on investments, including those assets that remain outside of your Raymond James accounts (e.g. your company 401(k)). For business owners, we also offer sophisticated company retirement plans, including but not limited to 401(k) and profit-sharing plans, Uni-k, SIMPLE IRAS, SEPs, and Non-Qualified Deferred Compensation. We are able to provide analysis and solutions relating to your life and long term care insurance needs. Lastly, we offer services to cover all of your banking needs, from checking/savings, money market and CDs, various credit cards, as well as custom lending strategies.
We can provide as comprehensive of a financial experience as you wish, so you can focus on what matters most to you.
The families we provide wealth management services comprise a diverse group of successful professionals from various fields and backgrounds such as engineering, health sciences and services, technology, law, and construction. We also provide services to multigenerational clients, serving their trust needs.
Steward Partners is an employee-owned, full-service independent partnership catering to family, institutional, and multigenerational investors. Our professionals deliver comprehensive wealth planning and investment strategy implementation, professional asset management services, private banking, institutional consulting, and business solutions. We pride ourselves on delivering high-level client service with an unwavering commitment to excellence. We are able to deliver a unique solution to families through our firm by providing the combination of a boutique, personal touch experience, while still offering the world class resources of a global firm.
Our custodian Raymond James was founded in 1962, by Bob James. Raymond James Financial was also one of the few investment firms during the 2008 financial crisis to remain profitable and NOT require tax payer assistance from the U.S. government.
Investment Process
We implement a “goals-based” investment approach. Simply meaning, we customize each strategy, using your goals as our guide, to provide a balance of risk versus reward with a combination of both active and passive investments.
Yes. It is difficult to accurately predict year in and year out whether active strategies or passive strategies will be best suited, therefore we incorporate both actively managed mutual funds and passive ETFs to create a balanced hybrid portfolio.
Yes. In portfolios we design, we recommend individual stock and bonds based on each client's objectives and risk tolerance. For those clients with the risk capacity, we will recommend investing in individual stocks to help add alpha to the portfolio. We use fundamental analysis to select those companies with the strongest balance sheets in their respective industry/sector in combination with Point and Figure technical analysis to determine buy and sell price points. Having an exit strategy when owning individual equities is critical in our opinion.
Alpha (α) describes an investment strategy’s ability to beat the market, or its “edge.” Alpha is thus also often referred to as excess return or the abnormal rate of return in relation to a benchmark, when adjusted for risk.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Our team will handle all related transfer paperwork to move over your existing accounts. For your non- retirement accounts we will transfer assets “in-kind” or in other words, exactly as they are to help avoid potential tax consequences. We will work directly with your current firm, custodian, or former employer to ensure a smooth transition of your assets. Once your investment portfolio arrives, we will complete an accounting of assets to ensure all shares and cash are accounted for accurately.
Client Service
We believe every member of our team offers a distinct set of skills that enables us to provide a team approach. As a Cornerstone Legacy Advisors client, you will have direct access to every member of our team and their individual area of focus. Whether it is background, life experiences, or common interests, we understand that some of our families occasionally relate more to one member of our team than another. While we do work as a team in many situations, as we believe our clients benefit from the insights and perspectives of more than one seasoned financial advisor, you have discretion in who you work with and interact with regularly.
Typically, the families we provide wealth management services to will have a portfolio of at least $500,000 in investable assets. Investable assets most commonly include current retirement plans, retirement accounts from previous employers, IRAs (traditional, rollover, Roth, SEP, inherited, SIMPLE), brokerage accounts, trusts, and cash or money market accounts.
You may view your accounts and performance, in real time, on the Raymond James Client Access website or App.
We have lived by the belief that our clients are our employers and have stood by the axiom of “our client's interest must always come first.” We typically utilize an advisory agreement in which we collectively agree on a reasonable cost based on services provided and assets managed. As we have said, we customize most everything. As an example, if a client has a long term and/or concentrated position they never intend to sell. We also offer traditional commission based brokerage services.
The proceeds from a securities based line of credit cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as pledged securities towards a line of credit. Lines of credit are provided by Raymond James Bank. Securities based line of credit and structured lines of credit provided by Raymond James Bank, Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.
Steward Partners Investment Solutions, LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Steward Partners Investment Solutions, LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Steward Partners Investment Solutions, LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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