Why Work With Us?
All Seasons Wealth Strategies is a fiduciary firm focused on the best interests of our clients and we hold our team to the highest standards. We are experienced wealth managers who enjoy long term relationships with our clients, our friends, and our families who entrust us to manage their life savings. There are two standards that advisors and financial planners are held to — the suitability standard and the fiduciary standard.
The suitability standard simply requires that investments must fit clients’ investing objectives, time horizon and experience. This also invites conflicts of interest pertaining to compensation, which can vary greatly from one product to another and you do not have to disclose your conflicts of interest. You also do not have to appropriately manage your conflicts of interest or minimize your conflicts of interest. So what that means is often the products that are best for the broker have higher costs for the investor.
The other standard of care, the fiduciary standard, essentially charges advisors with putting their clients’ best interest ahead of their own. For instance, faced with two identical products but with different fees, an advisor under the fiduciary standard would be compelled to recommend the one with the least cost to the client.
All Seasons Wealth Strategies is your partner for helping you reach your financial goals. Our higher purpose drives how our firm operates and we believe in Raymond James values as follows:
- We take care of our clients and their financial well-being. Only when we help them achieve success do we achieve our own.
- We take a long-term approach. Discipline in decision making translates into a strong, stable firm for clients, advisors, associates and shareholders.
- We value our independence as a company and respect the right of professionals who affiliate with us to make decisions in the best interests of their clients.
- We are forthright in our approach and earn each client’s trust.
The quarterly fee that is charged is fully disclosed and is not dependent on the amount of adjustments we make to your portfolio to help meet your investment goals and ensure mutually aligned interests. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically reevaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.
WORKING WITH YOUR FINANCIAL ADVISOR
At Raymond James, your advisor takes the time to understand you, your needs, your concerns and your goals – and only then recommends the appropriate resources, strategies and investments to help meet your financial and life objectives. Your advisor will collaborate with you to tailor a plan that addresses all aspects of your financial life. As a client, you may also benefit from our in-house research and the expertise of an extensively trained, experienced financial advisor who will:
- Understand your needs – Your financial advisor typically begins by getting to know you and your family while gathering information about your current circumstances, your future goals, your concerns and your aspirations.
- Design a comprehensive plan – Depending on your circumstances, your Raymond James advisor will help you develop a plan that factors in your investment horizon as well as the types and levels of risk that you can afford and with which you’re comfortable.
- Implement your plan – In this phase, the decisions you’ve made with the help of your advisor are put into action, working with other relevant professionals – such as a Raymond James specialist or your current attorney or CPA – as needed to implement effective and efficient solutions.
- Manage your plan once it’s in place – Financial planning is an ongoing process in which it’s essential to monitor the progress of your investments within the context of your goals, periodically reviewing all relevant information.
In a fee based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these, the internal expenses should be included when evaluating costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, si available in the firm’s Form ADV Part 2A as well as the client agreement.