Our Approach
As our name implies, Dashboards are at the core of our team’s wealth management philosophy. The Dashboard is our key tool to compile and track every aspect of your finances in an easy-to-understand format.
As our name implies, Dashboards are at the core of our team’s wealth management philosophy. The Dashboard is our key tool to compile and track every aspect of your finances in an easy-to-understand format.
Simply put, we help you manage your investable assets and your liabilities to provide for your future.
We are your fiduciary. We act as the advisory board to your family’s personal pension plan to help you implement an overriding investment strategy. This investment strategy sets the “rules of the road” for your portfolio, establishing investment guidelines designed to help provide consistency and stability of your retirement cash flow.
Everyone has different goals and risk appetites, but generally we look to build out portfolios in the following order:
1) Liquid Cash Reserves, 2) "Pension Style" Portfolio, and 3) Secondary Objectives.
Before long-term portfolios are constructed, we establish ample cash reserves and liquidity. The amount and types vary, but this is critical prior to deploying assets into longer-term funds. We call this your “Cash Zero”. All liquid capital in excess of your “Cash Zero” should be considered for long-term investment.
Most of our clients will rely on their personal assets for the lion's share of their retirement income – in other words, these assets are responsible for providing their own personal pension. As such, whether our clients are 35 or 75, we're constructing their portfolios with this in mind. We determine the proper risk/return relationship for your portfolio based on your personal situation and the “Number” you need for the rest of your life to help give you the best chance for a long and successful retirement.
After satisfying both Liquid Cash Reserves and a "Pension Style" Portfolio, you may be faced with the delightful quandary of having too much money. With that in mind, we design portfolios and related planning strategies to help achieve three possible outcomes or a combination thereof.
At times, a return of principal may be better than a return on principal. For those ultra conservative investors it’s ok to earmark excess funds with the goal of simply maintaining purchasing power by keeping up with inflation at a low risk.
More aggressive investors may be comfortable allocating additional funds to equities that are positioned for greater potential growth.
We’ll work to find creative and distinct investment and tax-planning strategies to help support your desired legacy.
Investing involves risk and you may incur a profit or loss regardless of strategy selected.
Securities offered through Raymond James Financial Services, Inc., member FINRA / SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Dashboard Wealth Advisors is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc. Investment Advisory Services are offered through Raymond James Financial Services Advisors, Inc. 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 our office for information and availability.
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