Our Process

The team at STWS takes a methodical approach to developing just the right financial plan for you. From start to finish, we incorporate our investment philosophy that is based on findings from three Nobel Prize Laureate economists. Each step in our process is designed to ensure you get the best possible guidance and support from our advisory team.

Getting to know you.

There is a person and story behind your numbers, which is why this initial step may be the most critical part of the planning process. We look at more than just your data. We take the time to ask you about your financial goals, investment beliefs, lifestyle, health, and key life events to create a personalized strategy for your unique asset situation.

Analyzing your situation and making recommendations.

Ask all the questions you want. Our advisors give you the information you need. You can walk away from this meeting with answers to questions you’ve always had and a valuable action plan. This could mean anything from recommended allocations on your TSP to answering questions about the Social Security Supplement, Medicare B, and Long Term Care.

Continuing the relationship with you.

AFTER adding value to your financial plan, we discuss how we are compensated and what further benefits you can expect to receive as a result of working with your advisor. Fairness, Simplicity, and Transparency are hallmarks of our Code of Ethics and advisor compensation structure.

Executing your financial plan.

Exceptional planning is one thing – but it doesn’t mean much unless it is followed and executed in the most conscientious way. The team at STWS considers implementing your plan with excellence to be one of the most critical roles we have. It is the cornerstone of our ongoing service to you.

Conducting ongoing review.

Keeping up with your key life events, portfolio rebalancing, and staying abreast of how the latest developments in Federal benefits can affect you are examples of how we bring value to your unique financial situation. Proper plan review ensures we do our best to keep you on track to meeting your goals.

Any opinions are those of Dan Sipe and Thomas Lee and not necessarily those of Raymond James. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Every investor's situation is unique and you should consider your investment goals, risk tolerance, and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation.



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