Select Harmon Financial Advisors as your wealth management firm and enjoy our fresh, thorough and tailored approach.
Our wealth management process is not based upon lengthy questionnaires or a financial plan binder created to gather dust on a shelf. We’ve combined 40+ years of financial planning wisdom and many industry best practices to produce our assessment-driven wealth management “dashboard” that quickly and easily communicates your current status, plus a wealth management score for ongoing measurement and management.
Like wealth management, “risk” is much more complicated than just filling out a simple questionnaire. Most investors are led to invest at the maximum amount of risk they can tolerate without regards to the purpose of their portfolio. We believe it’s more important to understand the least amount of risk you must take to achieve a high probability of accomplishing your goals, so that you may invest with reason.
The most popular approaches in retirement planning practice today may be inflexible and make unrealistic assumptions about retirement. There are simply too many uncertainties surrounding retirement planning for today’s popular planning approaches to be successful.
We’ve adopted a rules-based strategy that takes into account a host of variables, plus your individual circumstances to determine an ideal base withdrawal rate. Your withdrawal rate and evolving circumstances are revisited each year to keep you on track. Using customized reports featuring ‘guardrails’, we help you keep your annual withdrawals ‘between the guardrails’, allowing you to withdraw as much as possible each year without increasing the risk of running out of money.
As a client, you will receive two types of statements – broker/dealer statements from Raymond James and firm reporting from Harmon Financial Advisors.
Raymond James statements are generated monthly and are available online (log in here) or can be mailed. In addition, Raymond James offers 24/7 web access to your account information.
Harmon Financial Advisors can provide quarterly statements to any client that prefers them by mail. Unlike typical brokerage statements, these reports identify how your combined portfolios correspond to your Investment Policy Statement.
