Our Investment Process

Our Investment Philosophy

Albert Einstein once said, “Everything should be made as simple as possible, but not simpler.” Investing can be complex. Our process addresses that complexity, and our On-Purpose Method takes special care to both seek returns and address your individual needs as an investor.

The On-Purpose Method™

Our method of investing directs your investments toward the goals you outlined in your financial plan. See below for some of the key qualities of our process:

Purpose-Based- Every account has a “job” based on how much money it needs to distribute and when. The purpose for each account is determined by completing our financial planning process. Purpose-based investing makes it much easier to understand how your accounts work when you look at your statement.

Highly Targeted- Our cash flow strategy seeks to make your money available when you plan for it. Other investment strategies can lead to distressed selling in poor market conditions.

Relatable- Investors are sometimes drawn to complicated investment processes just because it’s complicated. The beauty of our process is in its clarity.

Investor Behavior Considerations- If an investor pulls out of the market at the wrong time, the results can be very costly. A key part of our process is educating our investors around the risks of investing so they can keep a long-term focus.

Cost Considerations- An important factor in investor returns is the internal expenses of the investments you use. We seek out low-cost funds in an effort to help drive returns.

Nimble- We use sophisticated portfolio management software so that we can execute changes when we feel market conditions are favorable to do so.


As an independent practice, Wheeler Financial has many options for possible partner firms. We choose Raymond James. Their integrity and client-first approach are a perfect fit, and they are a firm with a long-term focus.  Their people make us feel important, just as we strive to do for our clients.

Raymond James, By the Numbers:

  • Founded in 1962; public since 1983
  • Approximately $774 billion in client assets
  • RJF shareholders’ equity of $6.8 billion
  • Market capitalization of approximately $8.6 billion
  • More than two times required regulatory capital
  • 129 quarters of consecutive profitability*
  • Approximately 8,100 financial advisors
  • Equity research coverage of nearly 1,100 companies

*Past performance is not indicative of future results. The information provided is for informational purposes only and is not a solicitation to buy or sell Raymond James Financial Stock as of 3/31/20.