How we serve your individual needs

The family wealth management life plan we personally create for you is part of our thoughtful and deliberate approach to helping you and your family manage a wide range of matters that affect your lives. It is designed to help with clarifying your goals and tailoring a customized investment portfolio specifically for you. It’s a plan for your future and financial independence, and we want to be with you every step of the way.

Our investment objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We believe that a proper allocation among different investments and asset classes can be an effective way to pursue your goals.

Asset allocation does not guarantee a profit nor protect against loss. There is no assurance any investment strategy will be successful. Investing involves risk including the possible loss of capital.

Socially Responsible Investing, also known as Environmental, Social and Governance Investing (ESG), is a pragmatic approach to invest in companies that are good corporate citizens driven by their responsibilities toward society, the environment, the community and corporate governance. We can recommend a variety of investments that can accommodate your social, political or spiritual philosophies.

This investment strategy may result in investment returns that may be lower or higher than if decisions were based solely on investment considerations.

By using asset allocation strategies and carefully selected money managers across a diverse range of stocks and fixed-income investments, our goal is to provide you with a portfolio designed to help achieve your financial objectives while hedging against market volatility.

Asset allocation does not guarantee a profit nor protect against losses.

We’ll work with your tax and legal advisors to help minimize the impact of taxes. By developing and implementing strategies designed to lessen or shift current and future tax liabilities, we can help improve your prospects for meeting your financial objectives. In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.

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

A well-constructed 401(k) plan or profit sharing plan is an ideal way for your organization to attract and retain quality staff, as well as help you and your executives and directors plan and save for their own futures. We can help you establish, manage and run the plan that is right for you and your company or nonprofit, then help with investment policy statement development, investment recommendations, provider reviews, annual reviews and investment education for your staff.

Preserving your wealth and maintaining your standard of living are among your highest priorities. People are living longer today, so the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, asset protection and reallocation, account titling and beneficiaries, multigenerational wealth transfer and charitable giving.

Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. We can provide a full range of quality insurance alternatives that can offer an important layer of safety for you, your family or your business.

Funding a child’s or grandchild’s higher education can be a personally rewarding use of your wealth. We can help you provide for this opportunity with investment vehicles such as 529 college savings accounts and specialized trust vehicles.

Earnings in 529 plans are not subject to federal tax and in most cases state tax, as long as you use withdrawals for eligible education expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible education expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings. An investor should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. Such benefits include financial aid, scholarship funds, and protection from creditors. 529 plans offered outside their resident state may not provide the same tax benefits as those offered within their state.

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.

A Securities Based Line of Credit from Raymond James Bank can help you take advantage of opportunities and is flexible enough to meet almost any of your personal or business financing needs.

The loan is collateralized by securities within your Raymond James brokerage accounts, giving you increased borrowing power and highly competitive pricing. Rather than having to sell securities and disrupt your long-term investment plans, you can use your Securities Based Line of Credit for the liquidity you need to enjoy more of what life has to offer.

The personal line of credit is through a margin account. Borrowing on margin and using securities as collateral may involve a high degree of risk and is not suitable for all investors. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash in the account. The securities in the account may be sold to meet the margin call, and the firm can sell the investor's securities without contacting them. The interest rates charged are determined by the amount borrowed. For additional information on margin, visit http://sec.gov/investor/pubs/margin.htm. Banking and lending solutions provided by Raymond James Bank, N.A. Raymond James Financial Services, Inc. is affiliated with Raymond James Bank, N.A., a federally chartered national bank. Unless otherwise specified, products purchased from or held at Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.

A Securities Based Line of Credit may not be suitable for all clients. Borrowing on securities-based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the collateral call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s Capital Access account.

Products, terms and conditions subject to change. Subject to standard credit criteria.

Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.