Some insight into theclients we serve

Much good comes from small businesses. They employ about half of the workforce, and incubate new technologies and business methods. We can’t have a strong economy without successful small businesses.

As a business owner, you know how much hard work and commitment it takes. It’s only natural you want someone with that same understanding when it comes to getting the advice and solutions necessary to take your business to the next level.

That’s where we can help. We understand the challenges business owners often face and have helped many new, growing and mature businesses succeed. Most important, we recognize your business is unique.

Working with you as a partner in your success, we’ll take the time to understand your goals and help you address a wide variety of needs, including asset preservation, cash management, company 401(k) plans, insurance, financing, succession planning and, of course, your own retirement.

In addition to our own experience and financial knowledge, we have access to all the resources of Raymond James, one of the country’s leading financial services firms. Best of all, you’ll enjoy the confidence of knowing you have a single, trusted source for financial advice – and more time to devote to growing your business.

We serve professionals such as physicians, dentists and attorneys, who often are self-employed and building a practice that is starting to generate significant income. They realize the prudence of having a well-designed financial plan not only for addressing short-term needs today, such as saving for their children’s college educations, but looking long term to their own retirement.

We know that you spend long days serving your clients or patients, and that you shouldn’t also have to worry about managing your money. We understand the many important financial matters professionals must address, including preserving assets from liability risk, tax planning, cash flow, mitigating the effects of healthcare cutbacks, education debt, valuating a firm or practice for purchase or sale and, ultimately, achieving financial independence.

You can rely on us to provide high-level guidance and advice for your personal financial matters and the needs of your firm or practice. We can serve as your trusted partner to help with your investments, and mitigate your tax burden, while also addressing key issues such as estate planning, generational wealth transfer and your philanthropic efforts.

Investing involves risk and investors may incur a profit or a loss. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

We help families address the many financial matters they face, balancing today’s needs with the goals of tomorrow. There are college educations to be funded and insurance plans to be made for protecting your family. Whatever the need, we’ll be here for you as your family builds, grows and evolves into future generations.

Oftentimes, family wealth is concentrated in a single stock received through inheritance or a successful business career. We have strategies designed to hedge, monetize, diversify or transfer assets, while mitigating tax implications. Another risk to wealth is the erosion of investment gains due to taxes. Our knowledge of tax-advantaged investments and the tax impact of specific transactions can potentially help you keep more of what you’ve earned.

Our clients are also highly interested in leaving a legacy for their children, grandchildren and community organizations they support. We have strategies designed to not only provide for those you care about, but also potentially generate personal tax benefits and further their overall wealth management plans.

Our mission is to serve as your family’s advisors for life, handling all matters related to planning and preserving your wealth, and building your legacy – so you are free to focus on enjoying your life and the people important to it.

Raymond James does not provide tax services. Please discuss these matters with the appropriate professional.

Whether they have lost their spouse through death or divorce, more and more women are taking greater control of their financial futures – and we are proud to play an important role in guiding and advising them.

While it’s a known fact that women have longer life expectancies than men, it doesn’t lessen the shock of losing your husband and continuing on without him. It’s important to have a good support group around you – and we are more than willing to be part of it. If you and your husband have been our clients before his passing, we already have great knowledge and familiarity with your financial situation, which can be extremely helpful.

Losing a spouse has major financial implications – and they come precisely at a time of great emotional stress. In addition to the shock and grief, there are often medical bills and funeral expenses to pay. There are also many decisions to be made regarding issues such as life insurance proceeds, Social Security and the retitling of financial accounts.

You may be afraid of outliving your savings or not having sufficient income each month to maintain your lifestyle. To add to the feelings of uncertainty, you may be managing your financial affairs on your own for the first time.

Similarly, divorce also requires careful planning in order to successfully transition through this stage in life. A marital transition can greatly affect you and your family not only emotionally, but financially as well. Whether you are newly divorced or presently going through a divorce, we can guide you through the financial issues of dividing assets and mitigating taxes – giving you an opportunity to move forward with your life.

We are here to help you address and resolve these and all issues and concerns you may have, and to sit down with you to create a clear financial plan for moving forward with your life as an independent woman.

The need for financial planning doesn’t just end with retirement. People are living longer today, so the possibility of going another 30 years without a paycheck takes careful consideration.

That’s why it’s important to have an experienced financial team to help you with preserving your wealth, creating sustainable income throughout retirement and enabling you to maintain your lifestyle. We can create a personalized plan designed to preserve your wealth and mitigate the impact of market risk, taxes and inflation. This includes having a sustainable withdrawal strategy to strike a careful balance between your need for monthly income and your desire to make your money last.

We will help you differentiate your essential living expenses from aspirational lifestyle expenses, look after your required minimum distributions and determine the most tax-efficient ways to draw income from your taxable and tax-deferred investments.

We’ll also make sure to review important matters such as Social Security and Medicare. Plus, we’ll collaborate with your legal and insurance professionals on having a plan for your estate, and having the protection provided by life insurance and long-term care insurance.

You’ve worked hard to arrive at this significant stage of your life: Our goal is to help you enjoy it.

A well-constructed 401(k) plan or profit sharing plan is an ideal way for organizations to attract and retain quality staff, as well as help owners, 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.

We are involved with all aspects of the plan, including investment policy statement development, investment recommendations, provider reviews, yearly annual reviews and a high level of education for employees on site.