Design™

Adaptive

Financial

"Everyone has a plan, until they get punched in the mouth."

- Mike Tyson

LIFE IS UNCERTAIN

We are all too familiar with life's unpredictable tendencies. Our Adaptive Financial Design™ positions clients to be financially prepared for almost anything. Life requires resiliency; we'll get you ready to roll with the punches.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. 

PERSONAL
SITUATION

Changes to your personal situation can be predictable or arise suddenly. Growing your family, the death of a relative, medical issues, an unexpected inheritance, or natural disasters can radically impact your financial circumstances.

Adaptive Financial

Planning

helps ensure your finances can handle life's many changes, planned or not.

FINANCIAL
MARKETS

Investment markets are notoriously volatile. Remaining calm and focused on future market patterns during that time is easier said than done. With the 24-hour news cycle, it's difficult not to succumb to the madness.

Adaptive Portfolio

Management

is designed to help you stay invested during the good times, and help remain protected during the bad.

TAXES &

REGULATIONS

Tax laws and government regulations change for many reasons. Administration changes, new congressional majorities, and geopolitical factors can alter current tax circumstances.

Adaptive Tax

Strategies

ensures we take a long-term approach to balance tax payments today with deferring taxes into the future.

Adaptive

Financial

Planning

We begin by gathering an extensive view of your personal finances, as well as your future plans and potential concerns.
The advisors at Citrus Wealth use this information to determine your optimal mixture of cash on hand, efficient insurance policies, and investment accounts.

Most importantly, we monitor and adjust your assets as life inevitably changes.

The advisors at Citrus Wealth monitor market sector trends, measuring general up or downward movement.  We apply a fundamental and technical analysis to each market sector to determine current market circumstances.
Our rules-based approach removes emotion from the investment process, allowing you to remain focused on the long-term goal of sustainable growth. Additionally, the advisors at Citrus Wealth analyze your risk appetite (or lack of) through advanced behavioral finance questionnaires, ensuring client and advisor strategies are cohesive.

Adaptive

Portfolio

Management

Adaptive

Tax

Strategies

Taxation commonly addressed from a single perspective: paying as little as possible today with minimal regard to the future. Our experience has shown us the importance of being both tax-efficient today and in the future.
While we do not prepare your taxes, our decades of experience and working relationships with many CPAs gives us a unique advantage. We are able to provide tax guidance from a financially holistic point of view and open our financial circle to a CPA you trust.

While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

Begin Your

Adaptive

Financial

Design

© 2019 Citrus Wealth Management

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Citrus Wealth Management & Concurrent Advisors are not registered broker/dealers, and are independent of Raymond James Financial Services. Investment Advisory Services offered through Raymond James Financial Services Advisors, Inc.

 

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