A full range of services to address your financial needs
We are well-equipped with the knowledge and services to address the financial priorities in your successful life – from managing and preserving your wealth, to leaving a legacy for your loved ones.
Our advisors offer comprehensive wealth management services that go far beyond just typical investment management to address every essential matter than money touches. It’s all in an effort to best serve you and your family, today and for every significant milestone along life's journey.
In today's often complex marketplace, even the most sophisticated investor is challenged to keep up and respond to changing conditions. By utilizing asset allocation strategies and carefully selected money managers across a diverse range of equity and fixed-income disciplines, our goal is to provide you with an institutional-quality portfolio designed to help achieve financial objectives.
Asset allocation does not guarantee a profit nor protect against losses.
Our objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We know that a proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.
Asset allocation does not guarantee a profit nor protect against loss. Alternative Investments are not suitable for every investor. They involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.
Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, 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 help preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset preservation and reallocation.
*There is no assurance that any investment strategy will be successful. Distributions which exceed the growth of your portfolio will reduce your principal.
If you’ve changed jobs or are retiring, rolling over your retirement assets to an IRA can be a sound strategy. It is a non-taxable event when done properly – and gives you access to a wide range of investments and the convenience of having consolidated your savings in a single location.
In addition, flexible beneficiary designations may allow for the continued tax-deferred investing of inherited IRA assets. We can handle all details for you, including contacting your former plan administrator, opening your new rollover IRA and completing the paperwork.
In addition to rolling over your 401(k) to an IRA, there are other options. Here is a brief look at all your choices. For additional information and what is suitable for your particular situation, please consult us.
- Leave money in your former employer’s plan, if permitted
Pro: May like the investments offered in the plan and may not have a fee for leaving it in the plan. Not a taxable event. - Roll over the assets to your new employer’s plan, if one is available and it is permitted.
Pro: Keeping it all together and larger sum of money working for you, not a taxable event
Con: Not all employer plans accept rollovers. - Roll over to an IRA
Pro: Likely more investment options, not a taxable event, consolidating accounts and locations
Con: usually fee involved, potential termination fees - Cash out the account
Con: A taxable event, loss of investing potential. Costly for young individuals under 59½; there is a penalty of 10% in addition to income taxes.
You should carefully consider all of your available options and the applicable fees and features of each before moving your retirement assets.
Preserving your assets and managing 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 safeguarding your wealth against unexpected events are concerns that we help address for you – so you can focus on enjoying your life.
Asset allocation is one of the most important single determinants of overall investment performance and risk.* Choosing the appropriate mix of asset classes can also reduce 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. Source: January/February 1995 Financial Analysts Journal article titled "Determinants of Portfolio Performance."
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 help hedge, monetize, diversify or transfer the position while managing 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.
Annuity guarantees are based on the claims paying ability of the insurer.
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.
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.
Giving cannot 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.
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.