Financial Planning
Our Advisors are available to perform a complimentary financial analysis, which would allow us to propose specific customized solutions for achieving your goals.
- Accurately estimate future education expenses and identify the best method to invest for education needs
- Create a detailed plan for your retirement.
- Thorough estate planning to minimize taxes and preserve your assets for future generations.
- Prepare for both expected and unexpected events such as financial independence and disability
- Determine appropriate levels of life insurance and make provisions for surviving family members
Each client and advisor establish a desirable strategic asset allocation, based on our client's risk tolerance, long-term financial objectives and timing of any cash withdrawals. Discussions and the use of a questionnaire help identify specific, appropriate target ranges for the major categories of equities, fixed income and money market reserves. Studies have shown that the asset allocation decision is considered the key determinant of total return.
We employ active asset allocation, niche asset classes, and alternative investments in addition to traditional stocks and bonds to enhance returns. Starting with a mutually acceptable asset allocation range, we make active decisions to increase or decrease asset classes based on the outlook for each asset's incremental source of return and current attractiveness. Active asset allocation refers to a controlled amount of flexibility within each client's strategic asset allocation.
Active asset allocation works within the strategic asset allocation range. For example, when the outlook for equities is bullish, the amount invested in stocks is allowed to increase moderately; when the outlook is bearish, the amount in equities is decreased modestly.
Niche asset classes and alternative investments have been getting more interest lately because of projections of sub-par returns on stocks and bonds over the next couple of years. Niche asset classes are more specialized types of investments such as sector funds, high yield or convertible bonds, emerging markets, real estate or commodity funds. These types of investments are highly cyclical in nature and are monitored very closely because they can be more volatile than traditional stocks and bonds. However, they offer the benefit of higher growth potential and can offer, at times, more attractive valuations.
Currently we have committed a small amount to an Opportunistic Asset Allocation program, using an outside tactical asset allocation manager. The manager - who has been in the upper quartile of tactical asset allocation managers for over 20 years - rotates through niche asset classes based on their current attractiveness. These actions take place within one tactical asset fund within a client's portfolio. Client Objective and preferences are the foundation of the portfolio structure.
Additional Services
Hours are from 8:00 am to 4:30 pm EST Monday - Friday.
Peoples Financial Advisors / Managed Accounts 800-860-6107
Brokerage / Raymond James 877-376-7576
Kentucky Clients 877-325-5228.
Peoples Financial Advisors is a division of Peoples Bank
Securities and select investment advisory services are offered through Raymond James Financial Services, Inc.
Are Not FDIC Insured |
May Lose Value |
Are Not Bank Guaranteed |
Each account custodied by Raymond James & Associates is protected for the net equity of the client's securities and cash positions.
The Securities Investor Protection Corporation (SIPC) provides $500,000 of net equity protection, including $100,000 for claims for cash awaiting reinvestment. Please visit www.sipc.org for more information about SIPC coverage.
We then provide additional protection (excess SIPC) through Customer Asset Protection Company, a licensed Vermont insurer rated A+ by Standard & Poor's.
Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.
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 your local Raymond James office for information and availability.
The Peoples Bancorp website links to third-party websites on the internet. Peoples Bancorp provides links to these web sites only as a convenience. The inclusion of these links are not endorsements by Peoples Bancorp. The linked sites are not under the control of Peoples Bancorp, thus Peoples Bancorp is not responsible for the content of any linked site or any link contained within a linked site.