A Philosophy Centered on Client Relationships
Our main objective is to help people plan for life. Remaining sensitive to the changing needs of our clients, we keep a watchful eye on today’s complex financial marketplace. And we can offer a comprehensive selection of investment alternatives to help meet our clients’ evolving needs.
When Raymond James was founded in 1962, it did not follow the path of its peers – a transaction-oriented style of business based simply on “selling” investments. Instead, the firm’s founder, Robert A. James, stressed the importance of counseling individual clients, understanding their needs and concerns, and building customized financial plans.
The financial advisors at Capital Investment Services continue to embrace this philosophy, encouraging our clients to focus on long-term investing and develop diversified portfolios. We believe our business is people and their financial well-being … and we are committed to our clients’ success.
Planning: The Key to Financial Success
In life, we pass through several phases, each with different financial requirements. That’s why continuous, long-term planning is essential. Typically, there are three basic financial steps most people take in life:
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 current and future income is utilized effectively.
Wealth conservation – the inclusion of a variety of investment strategies and further diversification, designed to preserve and invest 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.*
*Raymond James does not provide any tax advice.