About Us
Life well planned. It's our purpose and our promise. It's the goal that drives every Raymond James financial advisor to help clients prepare for major financial milestones and each moment in between.
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Recommendations Received (5)
" Knowledgable and personal professional looking out for his clients need"
"Hearing the financial challenges in our world
Today, it is good to have someone in your corner to..."
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"Hearing the financial challenges in our world
Today, it is good to have someone in your corner to provide a perspective to provide insight and guidance. "
Products & Services
We help clients get to their dreams and build net worth using the great income they already have.
When you need to count on expertise, we're here to help. Delphi Private Wealth Management of Raymond James Ltd. offers free consultation calls to c...
Recommendations Given (10)
"Chase is an enthusiastic, caring and diligent individual."
"She is prompt with her replies and is attentive to your questions."
Recent Activity
Clearly the rise in the stock price of GameStop was artificially induced. It made the news because a group Reddit followers rallied to artificially increase the price by an call to buy out of spite against larger bank and finance firms, rather than out of an increase in value.
These types of...
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Clearly the rise in the stock price of GameStop was artificially induced. It made the news because a group Reddit followers rallied to artificially increase the price by an call to buy out of spite against larger bank and finance firms, rather than out of an increase in value.
These types of rises have motivations that are not economical, but emotional in nature, and thus cannot be sustained, nor predicted as to timeline. The price of GME could fall as precipitously as it rose, and without any warning signs or alarm bells, given the nature of it's fairy tale rise.
Because the nature is created out of emotion rather than on realistic value, this makes it particularly risk susceptible, and should not really be considered an investment, but rather a casino-like play.
Normally when one purchases a stock in a company, it is because one sees value in that company. That value can be short term or long term in nature, or even as a profit sharing venture, as in a dividend paying equity. But to play the market as one does in a casino game, or in this case, out of contempt for profitable companies, is a recipe for unpredictability.
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Dale from Delphi Private Wealth Management of Raymond James Ltd. Answered this on September 24, 2019
Hi,
This is one of those questions that a number of businesses struggle with. How do you manage the slower times? No doubt you have a history of expenses. You have an idea of the ebbs and flows of your business expenses as well as your incomes. I find it best, when I work with clients, business...
(more)
Hi,
This is one of those questions that a number of businesses struggle with. How do you manage the slower times? No doubt you have a history of expenses. You have an idea of the ebbs and flows of your business expenses as well as your incomes. I find it best, when I work with clients, business or personal, to build a cash flow plan that takes into account your regular expenses. Taking those expense items that are regular, and line those up, most critical to least critical. It might be best to create a list from highest to lowest priority. (Eg. 1. Rent - is very important, no rent, no place to run business. 2. Business Loans - lenders can be quite demanding...etc, etc) Then take your yearly income and determine the lowest revenue months. Then make your cash flow plan based on the lowest revenue months. If the low revenue months are surpassed by regular expenses, then a holding place needs to be set up to draw from in those lower income months. In the higher income months a certain percentage should be set aside for the lean months that you know are coming. Any surpluses can be divided to cover upcoming lower seasonal revenues and put in a high interest account to be ready for low season. In the low times when you are short because the surplus account has yet to be set up, you will pay your expenses based on your critical list, highest priority to lowest, until you run out of cash. This strategy requires the "high tide" months to have some set aside for "low tide". It means not spending unnecessarily until your future low months are covered. Good luck! All the best to you!
We are not an accounting firm. I cannot help you in this matter. We are financial planners and wealth builders.
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We are not an accounting firm. I cannot help you in this matter. We are financial planners and wealth builders.
There are many misconceptions about my industry (financial planning and investment advising). Among several are that we are not able to help, advise, or make an appreciable difference in efficiently erasing debts by clients. In fact, many advisors I know would not even venture to ask the question...
(more)
There are many misconceptions about my industry (financial planning and investment advising). Among several are that we are not able to help, advise, or make an appreciable difference in efficiently erasing debts by clients. In fact, many advisors I know would not even venture to ask the question that would address this, very prevalent situation. The question is "When your current (or past) advisor sat you down and created your written cash flow plan, helping you harness all unnecessary interest you paid on your debts, and showed you how to redirect cash flow towards your financial goals, essentially helping you get more life from the money you have, how did you feel about that process?" I specialize in giving my clients this kind of advice.
Dale from Delphi Private Wealth Management of Raymond James Ltd. Answered this on September 25, 2017
I have to say that I do not track those who have found me due to my digital footprint. I do know that many check me out 0nce they have met me or been referred to me. But the percentage of new clients that I have gained in direct proportion to my web presence is negligible.
(more)
I have to say that I do not track those who have found me due to my digital footprint. I do know that many check me out 0nce they have met me or been referred to me. But the percentage of new clients that I have gained in direct proportion to my web presence is negligible.
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