A Full Range of Services for every financial situation

Think of financial planning as not an investment product, but rather an ongoing process designed to help you confidently pursue your goals and make smart financial decisions. It begins by evaluating your current situation, identifying and clarifying your goals, and then creating the appropriate plan for pursuing them.

Our investment objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We believe that a proper allocation among different investments and asset classes can be an effective way to accomplish this.

Asset allocation does not guarantee a profit nor protect against loss. All investments are subject to risk, including loss.

Preserving your wealth and maintaining your standard of living are among your highest priorities. The possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, asset preservation and reallocation, account titling and beneficiaries, multigenerational wealth transfer and charitable giving.

The process of reallocation may result in tax consequences.

The estates of high-net-worth individuals and families can be inherently complex, so having a comprehensive estate plan is crucial to help ensure a seamless transfer of wealth to the next generation, avoid lengthy legal battles and mitigate taxes. We can employ a number of effective strategies specific to the preservation of wealth.

As you make careful plans for how your wealth will pass to your heirs, it is important for everyone involved to clearly understand your wishes, as well as the process by which they will be carried out. We can help you make sure everyone knows where to turn.

From mitigating estate taxes to providing detailed distribution instructions, a trust gives you a greater degree of control over your estate. We can help navigate the many types of available trusts, helping you select the vehicle that best suits your goals, needs and wishes.

Trust services available through Raymond James Trust, N.A., an affiliate of Raymond James & Associates, Inc.

As an integral part of your wealth management plan, we can collaborate with your accountant or CPA to help advise you on matters unique to you to forecast and mitigate the effect taxes will have on your net worth and employ tax mitigation strategies so that more of your money stays where it belongs … with you.

Raymond James does not provide tax advice. Please discuss these matters with your tax professional.

Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. We can provide a full range of quality insurance alternatives that can offer an important layer of safety for you, your family or your business. We can build a protective cushion through life insurance, preserve your estate with long-term care insurance and provide tax-advantaged growth opportunities with annuities.

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

Charitable giving can bring great personal satisfaction, enabling you to support the causes and organizations that matter to you. It can result in significant tax advantages as well, including mitigating income taxes, capital gains taxes and estate taxes. We are here to help ensure that your contributions make the biggest positive impact possible – for you, your family and the charitable organizations you support.

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 education 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 education 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. Such benefits include financial aid, scholarship funds, and protection from creditors. 529 plans offered outside their resident state may not provide the same tax benefits as those offered within their state.