Families & Individuals

Because each client is unique, our investment planning process takes into account your individual goals, objectives and risk tolerance in order to provide a customized strategy for your situation. We analyze your situation thoroughly prior to making recommendations regarding asset allocation and manager selection. We use forward-looking capital market assumption and strategic asset allocation to position you for long-term success while helping you mitigate catastrophic events. We monitor your accounts and communicate frequently. Click here to learn more about our investment planning process.

Click here to learn more about RJ Freedom.

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

Our estate planning process is designed to maximize the assets you plan to leave to your family, heirs and charitable organization at your death. To help achieve this, we consider:

• Will and trust design
• Probate avoidance
• Estate tax reduction alternatives
• Titling of property
• Beneficiary designations
• Insurance analysis
• Gifting strategies
• Charitable planning
• Business succession
• Estate liquidity

We will work with your other advisors to coordinate a sound estate plan.

Raymond James and its advisors do not offer legal advice. You should discuss any legal matters with the appropriate professional.

Click here to learn more about basic estate planning.

Click here to learn more about estate tax changes.

Our retirement planning process is designed to help you achieve your financial independence following your working years. We consider the following:

• Objectives: We help you establish when you want to retire and how much income you will need.
• Current resources: We identify assets you currently own and help plan how best to manage them until you’re ready to retire.
• Shortfall: We evaluate how much more you will need to save to meet your goals, and we keep track of this goal on a regular basis using planning software you can access on our secure website.
• Invest: We determine the proper investment vehicles and establish an investment plan to accumulate assets in a tax advantageous manner.
• Monitor: We monitor your plan and adjust it as necessary.

Whether it is life insurance, disability insurance or long-term care, you can rely on our expertise for the following:

• Insurance needs analysis
• Proper ownership policies
• Beneficiary designation analysis
• Product selection and design
• Carrier analysis
• Coordination with estate plan
• Our vast experience in the area of insurance helps you protect yourself and your family while minimizing expenses and taxes.

Click here to learn more about life insurance.

Paying for a child’s education is an expensive proposition. We can help you clarify your objectives for your child’s education and navigate through the maze of available funding choices. This results in maximizing the tax advantages available when saving for college and a clear roadway to your education funding goals.