A wide range of servicesto fully address your needs
We are well-equipped with the knowledge and services to address the financial priorities in your successful life – from building and preserving your wealth, to leaving a legacy for your loved ones.
Preserving your wealth
Preserving your assets and mitigating risk take on added urgency when you’ve reached a certain level of wealth. Maintaining your standard of living, providing for your family, generating income with minimal tax consequences, and preserving your wealth against unexpected events are concerns that we address for you – so you can focus on enjoying your life.
Choosing the appropriate mix of asset classes can help mitigate portfolio volatility.* We make asset allocation a key component of our investment strategy, selecting a mix of asset classes that reflects your financial objectives, timeline and risk tolerance.
*Asset allocation does not guarantee a profit or protect against a loss. Investing involves risk and you may incur a profit or loss regardless of strategy selected.
Family wealth is often concentrated in a single stock, either inherited or earned during a successful business career. If you’re in this situation, there are many options available beyond simply selling the stock. Although mitigating the risk of a concentrated equity position can be complicated, we can provide a variety of strategies that can hedge, monetize, diversify or transfer the position while mitigating the tax implications.
Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. Raymond James provides a wide array of quality insurance alternatives, including life insurance, long-term care insurance and annuities. They can offer an important layer of safety for you, your family or your business.
Insurance products offered through Raymond James Insurance Group, an affiliate of Raymond James & Associates, Inc.
We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants and tax attorneys – to help mitigate 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.
Building your legacy
When it’s finally time to leave this world, what do you want to leave behind? How do you want to be remembered and who do you want to help? The wisest of people understand the impact of making their mark and making a difference. We can help you do just that. By collaborating with your tax and legal professionals, we can help develop a plan that enables you to maintain your lifestyle now while leaving a meaningful legacy long after you’re gone.
Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.
Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Giving can not only help the organizations you choose, but can also generate personal tax benefits and advance your wealth management plan. We can help you with strategies that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.
Through our affiliate, Raymond James Trust, N.A., we offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. Whether your goal is to minimize estate taxes, provide for loved ones, or dictate how you want your wishes to be carried out, we can help.
Raymond James Trust, N.A. is a subsidiary of Raymond James Financial, Inc. Raymond James & Associates, Inc. is affiliated with Raymond James Trust.
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 college 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 college 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.