Process - Crux Wealth Advisors

A Philosophy based on

your vision

“Our objective in working with our clients is to thoroughly understand their goals and make sure they are confident that they have a plan to reach them.”

David Colley

We have developed a carefully managed process that we’ll follow together in creating your life and wealth optimization plan. Because there are so many facets concerning both your life and your money, a process is the only way to account for them all. We want to bring clarity to your life – and clarity is not achieved by chance. Rather, our team is able to achieve it by carefully identifying and aligning each important detail in the big picture of your life.

Develop your plan

Next, we will analyze what you’ve shared with us in order to design a plan that aligns with your vision. This step may include collaborating with your other professional advisors such as your accountant and lawyer. When we’ve completed your plan, we’ll go over it together and provide you with our recommendations. We will also answer your questions, consider alternatives and outline the steps we need to take to implement your plan.

Implement your plan

With your approval, we will put your plan into action using the extensive research and resources at our disposal. This will involve selecting specific account types, investment products and optional services, and the handling of all necessary paperwork.

Manage your plan – and life

Once your plan is implemented, we will monitor its progress relative to your defined objectives and suggest any changes where needed. We’ll do this through meetings where we’ll not only review your progress, we’ll also talk about what’s new in your life, like weddings, new additions to the family, plans for a vacation home or a decision to take time off and see the world. You’ll also receive customized reports of your account activity.

We’ll be here for vision coaching that can help keep your plan on track and everything aligned – even as your life changes. Our goal in this stage is to forge a long and lasting relationship with you because we enjoy seeing how our clients’ lives unfold relative to the plans we help them create. For us, it’s one of the most rewarding parts of our business.

SKILLED MANAGEMENT OF

YOUR WEALTH

“Coming together is a beginning. Keeping together is progress. Working together is success.”

HENRY FORD

In our business, we love celebrating with our clients the freedom wealth can bring. That is why we take so seriously our responsibility to help them manage it wisely – and why we use a disciplined and coordinated approach to address all the issues and complexities that often accompany the management of wealth. Wealth management is customized to your needs and preferences, and designed to bring cohesiveness to your financial life. It often involves collaboration with other professionals such as your CPA and attorney.

An important part of managing your wealth is planning for retirement. That’s because preserving your wealth and maintaining your standard of living will be among your highest priorities once you retire. Because people are living longer today, the possibility of spending 30 years in retirement requires careful preparation and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to help preserve your principal.* We can also assist you with longevity planning, required minimum distributions, income planning, tax planning, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset preservation and reallocation.

Another important part of wealth management is the daily task of cash management. To help make it easier, we provide the convenience of easy-access to monitor all of your finances in one central, secure location. Integrated cash solutions provide the flexibility to handle your day-to-day finances, which helps you stay focused on your plans for your future.

Lastly, wealth and long-term financial stability require liabilities to be managed as prudently and judiciously as assets. To help put tools for this task within easy reach, we offer a complete suite of lending solutions to help you gain access to capital quickly and cost-effectively. Whether you need funds for a business venture, or to assist with college tuition, we have the solutions necessary to help you move forward with your plans.**

In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.

* This plan may require future adjustments depending on market conditions. Withdrawals which exceed your portfolio’s return will result in the reduction of principal. There is no assurance any investment strategy will be successful. Investing involves risk including the possible loss of principal.
** Offered through Raymond James Bank, an affiliate of Raymond James Financial Services, Inc. Raymond James Financial Services, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be put into contact with a Raymond James Bank employee for your residential mortgage needs.

Annuities are investment alternatives designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax, and if taken prior to age 59½, a 10% federal tax penalty may apply.
Please note: changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

HELP PRESERVE ALL

YOU’VE ACHIEVED

“Coming together is a beginning. Keeping together is progress. Working together is success.”

HENRY FORD

Each day we take important steps to manage risk in our lives – from simple acts like picking up discarded toys on the stairs to the complexities of car insurance that helps protect us as we run errands around town. In much the same way, we must help preserve wealth by taking steps to minimize the effects of circumstances, situations and events that can erode value.

One way to pursue your financial goals and help alleviate risk to your wealth is through the long-term strategy of asset allocation. By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent, positive return over the long term. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.

Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. We can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you and your family. For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance and combine protection and tax-advantaged growth opportunities with annuities.

Lastly, we take a tax-sensitive approach to financial planning and will work with you and your other professional advisors – accountants, tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can improve your prospects for meeting your financial objectives.

In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.

Asset allocation does not ensure a profit nor protect against loss. International investing involves additional risks such as currency fluctuations, differing financial accounting standards, and possible political and economic instability. These risks are greater in emerging markets. Real estate investments involve risks such as refinancing, economic conditions in the real estate industry, changes in property values and dependency on real estate management. Alternative investment strategies involve greater risks and are only appropriate for the most sophisticated, knowledgeable and wealthiest of investors.

our team

Through the bonds of long and lasting relationships, we enjoy the freedom to encourage, inspire and guide our clients.