Your Investment Journey at The Center

A map and a destination to help guide us toward your goals.

  • Identify and Clarify Goals
  • Determine Rate of Return Needed to Fund Goals
  • Analyze Your Cash Flow Expectation

Review, educate and monitor to stay on the proper course.

  • Rebalance, as needed
  • Annual Meetings
  • Regular Communication Regarding Your Changing Circumstances
  • Education Opportunities
  • Market Pulse
  • Measure and Report Progress

Asset allocation is simply your mix of stocks, bonds and cash in your portfolio. It sounds simple but finding the right combination can be anything but simple. Just like when baking a batch of chocolate chip cookies you need simple ingredients like eggs, flour, chocolate and butter but putting them together in the right amounts can be more complicated and getting it wrong can result in inedible cookies.

Getting your mix of assets wrong can also result in undesired consequences. The wrong portfolio could either lead to sleepless nights due to too much volatility or not provide enough return to achieve your goals. We are here to help you find the right mix for your needs because unlike the cookies you can’t just throw your portfolio away and start over!

Asset allocation does not ensure a profit or protect against a loss.


We are! An Investment Policy Statement is simply a document any member of our investment team can pick up and get to know you and your unique investment needs. Institutions use these so why not individuals? The statement makes sure we are on the same page with you for what we are trying to achieve with your investments and any unique preferences or circumstances that apply to you. We utilize this within our firm so any member of our team can understand your needs at a glance and be ready to help!


Investors don’t all view risk in the same way. We all have different comfort levels and different threats to our goals. My risk doesn’t always equal your risk so portfolios can’t be a one size fits all strategy. The good news is you don’t have to roll the dice. We will work with you to help get achievable returns within your comfort zone. Let’s talk!



Taxes matter. They can be the biggest cost to an investor’s portfolio over time as shown in the graphic below. Many investors enjoyed a tax holiday after 2008 as there were many losses to harvest at that time and carry over into the coming years to offset gains. Those losses could be running out for most and we are facing many challenges with capital gains being realized from investments. We strive to be tax aware advisors as we look to actively manage a client’s tax situation to help minimize tax drag on returns. Some strategies include:

  • Loss Harvesting
  • Gain harvesting
  • Asset location (placing less tax efficient investment strategies within tax deferred/tax exempt accounts)
  • Gifting strategies
  • Tax bracket management, handle contributions or withdrawals efficiently.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Past performance may not be indicative of future results.


Is there something you would like to see more of, or less of, in your portfolio? While our top priority is to create the best investment portfolio for you, we will try to use your investment preferences as much as possible. Check out the example below:

This is a hypothetical example for illustration purpose only and does not represent an actual investment.


Ever wonder where your paycheck is going to come from when you retire? We can help you structure your income based on your preferences. Do you want to get paid monthly or weekly? Should the money come from your IRA, Roth IRA or taxable accounts? Do you want it transferred to your outside checking account or spend directly from your investment account?

Are your emergencies covered? Is the unplanned planned for? Financial Planning is one of the keys and first steps whether you are accumulating or spending your cash. The plan will tell us how much and when you need to save or can spend. From there we monitor cash levels daily on accounts you are adding to or withdrawing funds from and raise when needed for your regular distributions or invest when saving.

There are a variety of ways to serve your needs and we can help you determine a strategy that can work for you.


Auto pilot for you, for us it’s what we do!

Discretionary Management frees you from having to make day-to-day decisions regarding your portfolio.

Once we know each other through the financial planning process, and develop your Investment Policy Statement (IPS), we’re armed with the knowledge necessary to manage your investments. All buy/sell decisions are made by us on your behalf within the guidelines laid out on the IPS. This frees your time to do what matters most to you.

The management of your investments is too important to be left for when you have some spare time. The financial markets don’t slow down when you are taking a vacation or busy with the kids. So, please, set the Center as your auto pilot.


Just like when picking a melon out at the store, thumping it may work for many but we prefer to smell for the sweetness. That’s what works the best for us. Our customized selection process results in portfolios that are constructed to tailor each client's needs and lifestyle.

At the Center we have a dedicated 3 person department working on research and security selection. There are many factors that go into this, here are some of the highlights:

  • Discussions with portfolio management
  • Definable investment process
  • Performance pattern consistency

So if you are unsure whether you should be thumping or smelling that melon, contact us and we can help!

Investing involves risk and investors may incur a profit or a loss. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation.