Process-driven and thorough holistic wealth management

Managing wealth is about more than managing investments. This is doubly so for our advisory clients, whose goals may span generations and whose financial circumstances and responsibilities are often complex.

To address these needs, our planning framework considers 13 distinct issues which we prioritize based on your circumstances and goals:

  • We offer thoroughly researched, diversified and risk-adjusted investment strategies structured to suit your goals and risk tolerances. In addition to traditional securities, qualified investors may participate in alternative and private market investment opportunities.

  • Market risk is a critical consideration when designing a financial plan, but so too are risks that may be less apparent, such as the need for long-term care, physical risk to assets like art and risks related to one’s public profile. We examine these risks and design mitigation plans to suit.

  • Specialized bank offerings can help preserve your invested assets while providing for your daily needs, financing large purchases, or creating lines of credit based on your portfolio.

  • We use sophisticated forecasting, planning and monitoring technology to help align your financial plan with your retirement lifestyle desires that accounts for potential risks to your goals.

  • Identify how your firm’s compensation options can be used to provide for different outcomes and more tax-efficient income.

  • Whether passing the torch to the next generation or selling your stake and enjoying the benefits of your entrepreneurship, stepping aside from your business is a process that deserves thorough, goal-oriented planning

  • We help you plan for the unthinkable, preserving you and your loved ones’ well-being if you are unable to continue in your career or in managing your estate.

  • Education investment funds, trusts and other financial vehicles can help you advance and preserve opportunity for your loved ones.

  • Once you’ve made the decision to give, when and how become pertinent questions to answer if you wish to maximize your gift with tax-efficient strategies. We can guide you through your charitable endeavors, including the creation of a private foundation, if that is your goal.

  • The documents that comprise your assets and estate plan can be vast. To prevent future issues, and to keep up with your and your loved ones’ lives, we regularly review titling and beneficiary designations with you.

  • We outline the options and considerations surrounding estate executor and trustee selections, including corporate trustee options.

  • A well-ordered, organized and executed estate plan can prevent difficulties for your family and better ensure your wishes are reflected in the distribution of your estate.

  • Taxes are an ever-present consideration for high-income and well-invested individuals. We work alongside our clients’ tax attorneys to help mitigate their tax liabilities where possible.

Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation.Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation.

Alternative investments involve substantial risks that may be greater than those associated with traditional investments and are not suitable for all investors. These risks include, but are not limited to: limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. Investors should only invest in alternative investments if they do not require a liquid investment and can bear the risk of substantial losses.

A line of credit backed by securities may not be suitable for all clients. The proceeds from a line of credit backed by securities cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as pledged securities towards a line of credit. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the Pledged Account(s) may be sold to meet the Collateral Call, and the firm may sell the client's securities without contacting them. A client may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. In many cases, the firm may increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client may not be entitled to an extension of time on a Collateral Call. Increased interest rates could also affect SOFR rates (or any successor rate thereto) that apply to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged are determined by (i) the market value of pledged assets and the net value of the client's non-pledged Capital Access account or (ii) the line of credit amount. Lines of credit are provided by Raymond James Bank.

Banking and Lending Services provided by Raymond James Bank, member FDIC, affiliated with Raymond James & Associates, Inc.

Insurance products offered through Raymond James Insurance Group, an affiliate of Raymond James & Associates, Inc.

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