High-Touch means
High-Touch
Most financial advisors manage your investments and meet with you twice a year. That works fine for traditional wealth management, but you’re here because you need something different.
YRP® High-Touch Planning is designed for business owners, executives, and successful professionals whose needs extend far beyond traditional investment management.
You Own It.
We’ll Run It.
Stop being the go between for your CPA, attorney, and investment person. You need someone to quarterback all of it—like a foreman for your personal wealth.
Because here’s what we see all the time: successful people tell their accountant one piece of the story, their lawyer another piece, and their financial advisor a third piece. Nobody’s talking to each other and nobody knows the full picture. Then you’re left trying to organize everything yourself while running your business.
That’s not how we work.
What Integration Actually Delivers
Tax Optimization That Moves the Needle
- Plan for tax consequences before making investment decisions.
- Custom built retirement plans using cash balance, 401k and profit sharing. The tax savings these plans offer are real.
- Use tax smart strategies like direct indexing and tax overlay tools to reduce the tax drag on your plan.
We integrate deeply with your tax professional, so we can move faster and deliver results that actually change your financial trajectory.
Coordination You’ve Been Missing
- We actively participate in your attorney meetings.
- We are consistently engaged with your CPA about anything that has tax consequences.
- Your insurance needs to protect what matters. We make sure it does.
- We coordinate estate planning so your documents reflect your wishes and current situation.
Someone has to quarterback all these people. That’s us.
The Big Five
Concentration Risk
You’ve got most of your wealth tied up in your business. You know you need to move money over to personal accounts, but you haven’t figured out the right way to do it.
The Wrong Retirement Plan
You’re funding a retirement plan that doesn’t let you put enough away, so you’re paying way too much in taxes every year.
Estate Planning That’s Outdated or Messy
Your documents don’t reflect your current situation, or they don’t match your business structure, or both.
No Clear Communication Between Advisors
Your professionals don’t talk to each other. You’re the only one who knows the whole story, and you’re spending your time pulling things together instead of running your business.
No Exit Strategy
You want to sell your business someday, but you don’t know how to value it, who might buy it, or how to structure the transition. We help you build that roadmap.
So How Does All This Work?
You pay our standard investment management fee1 to run your portfolio. That’s the foundation.
Then we bill hourly2 for the strategic work that goes beyond traditional investment management:
- Actively participate in meetings with your attorney.
- Coordinating with your CPA on tax strategy.
- Restructuring your retirement plan.
- Working through business succession planning.
- Integrating your estate plan with your business structure.
Why hourly billing2 for these services?
Because designing a retirement plan that saves you in taxes is not included in 401k management costs. This high-impact work requires deep expertise and coordination.
The result:
You can save more money and may pay fewer taxes than you ever thought possible – and you get your time back because we’re handling the busy work.
1 In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2 as well as the client agreement. Services rendered will be dependent on applicable agreements.
2 The Financial Planning or Consulting services listed are generally those offered under the Wealth Advisory Services Agreement. However, fees and services are customized with each client agreement. For a complete list of fees and available services, please consult the most current Form ADV Part 2A and the Wealth Advisory Services Agreement that you may obtain from your Investment Adviser Representative.
Who This Is For
You might be our people if you:
- Own, run, or are your business.
- Have significant assets and are on an upward trajectory.
- Are tired of paying massive tax bills every year.
- Need someone to wrangle your CPA, attorney, and insurance professional relationships.
- Want a partner who shows up to the important meetings, not just twice-a-year portfolio reviews.
- Are thinking about succession planning but don’t know where to start.
- Are genuinely kind, polite, and good people.
Mountain-Moving Impact
When your CPA, attorney, and financial advisor all work together, we can tackle bigger problems faster. That’s what this is, real coordination with real impact.
It’s not for everyone. If you’re happy with traditional wealth management through an advisory fee based relationship and twice-a-year meetings, we have services for that.
But if you’re the business owner or executive who’s been saying, “Where have you been all my life? I’ve always needed someone to do this” – then we need to talk.
Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Direct Indexing strategies are subject to certain risks, including, portfolio tracking error, which is a portfolio’s deviation from the performance of the target market index. This can be caused by the strategy’s representative sampling methodology and client portfolio customization. There is no guarantee that a favorable tax outcome will be achieved. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.