Financial Planning / Investments

  1. Prepares an asset allocation based on your risk tolerance and financial goals.
  2. Develops and reviews a comprehensive financial “roadmap” with the client.
  3. Simplify one’s financial life by organizing “financial chaos”……
  4. Guides you to think about areas of your financial life you may not have considered.
  5. Coordinates estate issues with client’s lawyer.
  6. Assists you in setting up a company retirement plan.
  7. Helps with the continuity of your family’s financial plan through generations.
  8. Develops and monitors a strategy for cash flow management … role of credit cards.
  9. Conducts ongoing portfolio RISK management.
  10. Helps position your portfolio for “loss avoidance”.

Taxes

  1. Communicates with your CPA to help minimize taxes on portfolio investments.
  2. Checks in with you as year-end approaches to identify any last minute tax-planning issues or opportunities.

Specialty Expertise

  1. Helps direct your liquid cash management, both personal and business.
  2. Offers LENDING solutions …. security-based loans, etc.
  3. Has personal AND professional Eldercare Experience …. a growing concern!!
  4. Provides “Out of the Box” financial wisdom.
  5. Coaches clients on education funding and how to negotiate tuition costs.

Protection

  1. Provides PROTECTION instruments….life insurance, future income, Long Term Care.
  2. Guides you on ways to fund future health care expenses.

The Personal Factor

  1. Deploys the 3 C’s for client strategy … Courage, Conviction, Caring
  2. Cares more about you and your finances than anyone who doesn’t share your last name.
  3. Simplifies a client’s life by serving as the go-to Financial QB, bringing in vetted outside experts, when necessary.
  4. Proactively keeps in touch with you.
  5. Shares the experience of dozens of clients who have faced circumstances similar to yours
  6. By design, size of practice is limited to a specific number of clients…. quality OF the practice is the highest priority.

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

"A Securities Based Line of Credit (SBLC) may not be suitable for all clients. The proceeds from a SBLC cannot be (a) Used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account, (c) used to Purchase any products 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 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 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 accounts(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 can sell the client’s securities without contacting them. A client is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. The firm can increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client is not entitled to an extension of time on a Collateral Call. Increased interest rates could also affect LIBOR rates that apply to your SBLC causing the cost of the credit line to increase significantly. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s Capital Access account.” And “Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.”