Payne Capital Management provides fee-based financial management services for high-wealth clients. As registered investment advisors (RIA), we assume the highest level of fiduciary responsibility under the law. We earn no commissions from transactions, and charge no custodial fees for our services. Our only agenda is earning, growing and maintaining a relationship with our clients built on performance and trust. Our focus is exemplified by financial advisors, who work with only the number of clients they can easily contact on a regular basis to discuss investment performance and strategy. As a fee-based financial advisory group and fiduciary, PCM is bound by law to serve the best interests of our clients.We never receive referral fees or brokerage commissions. Our recommendations are unbiased and exempt from the corporate mandates common to many industry competitors which gives us the freedom to select only the top investment products. We maintain direct and consistent contact with clients on a regular basis. Correspondingly, Payne Capital Management financial advisors also provide a full financial checkup annually with each client in person to offer a clear and comprehensive portfolio analysis. The client-centered approach at Payne Capital Management (PCM) can be encapsulated in these words: "Your Personalized Path to Financial Freedom". Our focus is to create a Financial Master Plan for you, by emphasizing all the financial issues that can impact you.