Our Process

It all starts with integrity and trust. It’s the foundation of every relationship. At Confluence Financial Partners, we work to get to know you and understand your goals so that we can craft a customized financial plan. Confluence Financial Partners is not just an organization that manages your wealth, we use a holistic approach when coordinating investment, insurance, tax, estate, and succession planning. We want to help you get the most out of your life and your legacy.

Step 1: Where do you want to go?

Uncovering your needs, goals & dreams

Our first goal is to understand yours.

Where do you want to go? The answer is the foundation of your financial plan. We ask important questions. Find out what matters to you. And we listen. Your objectives steer everything we do for you.

Step 2: How do we get there?

Developing a comprehensive plan

Building a financial roadmap for the life you want.

Once we've decided where we're going, we build a roadmap for getting there. Here, our innovative Goal Planning & Monitoring (GPM) software enables us to organize your resources, evaluate your current allocations and risk tolerance, and view your options and likelihood of success. This stage may involve collaborating with your other professional advisors to develop a fully coordinated, lifetime financial plan.

Step 3: What mode of transportation should we take?

Building objective-based portfolios

Creating a portfolio with diligence far beyond due.

Philosophy: Your goals are "true north"
Process: Evaluate long-term results and system for repeatability
People: Seasoned, industry-leading professionals

Design

Our Investment Committee (IC), a group of 6 financial advisors with more than 125 years of combined experience. We perform objective searches and select investment managers with solid track records that are suitable for our clients.

Evaluation

Your Investment Committee thoroughly evaluates each recommendation to determine the optimal asset allocation according to your unique objectives and risk tolerance. And while some of the industry's brightest minds are on your side, none are omniscient. That's why we leverage outside resources to provide third-party reviews - to uncover potential blind spots or missed opportunities.

Execution

We will present you with your recommended portfolio, optimized to help achieve your goals. If you are in agreement, we will implement the selections for you. We provide transparency throughout, using state-of-the-art technologies for accurate, consolidated reporting of your assets and transactions.

Monitoring

For many organizations, building a portfolio is where much of their work ends. For us, it's just the beginning. Using our resources and technologies, our Investment Committee continuously reviews portfolios, market conditions, tax law and investment positions, evaluating potential threats and opportunities.

Step 4: Will you enjoy the journey?

Exceptional Experience

Making the journey as enjoyable as the destination.

Review

We keep you updated with a customized schedule of touchpoints to review your progress and discuss life changes. With Client Access, Raymond James' free and secure online portal, you can view your accounts and your progress in one dashboard — giving you the clarity and confidence of seeing your financial house in order.

Throughout our journey together, you'll discover that this diligent process of review, evaluation and action helps keep you on track throughout your lifetime.

Every Investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment.
Investing involves risk and you may incur profit or loss regardless of strategy selected.