It never hurts to have someone see if the financial guidance you are receiving is aligned with your goals, time horizon and risk tolerance. We offer complimentary, no-obligation, and confidential second opinions. If your current advisor is providing you with real value and beneficial guidance, we are perfectly fine with recommending that you maintain your relationship.

Goal Planning & Monitoring is proprietary planning software from Raymond James that can help align financial decisions with your vision of retirement and other highly personalized goals. This powerful resource, used in conjunction with our deep planning experience, helps us ensure that your goals and our strategy for pursuing them are well-defined. Please watch this informative video.

Goal Planning & Monitoring video

Asset allocation is a long-term strategy designed to help investors achieve their financial goals without assuming undue risk. By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent, positive return over the long term. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.

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

Long-term care insurance can help you preserve your savings and give you access to a range of care options. Nearly four in ten people will need long-term care at some point during their lifetimes. Medicare provides only limited coverage and does not cover custodial care, the type older individuals often need.

Guarantees are based on the claims paying ability of the insurance company.

At some point in life, every business owner arrives at a decision that can have enormous impact on their life – it’s time to sell the business. It tends to be a highly emotional decision, since they have so much personally invested in it. We serve as their sounding board and voice of reason to determine the value of the business and help them consider different buyers, from family members to employees to an outside party. We work with their accountant and attorney to help determine how to execute the transaction in the most tax-efficient manner. We then present strategies for prudently investing the proceeds in a manner designed to make it last a lifetime and provide monthly retirement income.

We understand the challenges business owners often face and have helped many new, growing and mature businesses plan for the future. Most important, we recognize your business is unique. Working with you as a partner in your success, we’ll take the time to understand your goals and help you address a wide variety of needs, including asset protection, cash management, employee retention programs, insurance, financing and succession planning.

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing. We can help you with every phase of planning for your retirement. During your working years, the accumulation phase, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, the pre-retirement phase, we’ll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. Then once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.

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Investors should consider their personal investment horizon and income tax brackets, both current and anticipated, when making an investment decision. Results will vary as investing involves risk, fluctuating returns, and the possibility of loss. Raymond James advisors do not provide tax or legal services. You should discuss any tax or legal matters with the appropriate professional.

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are preserved for the use you have intended. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.

As with other investments, there are generally fees and expenses associated with participation in a 529 plan. There is also a risk that these plans may lose money or not perform well enough to cover college costs as anticipated. Most states offer their own 529 programs, which may provide advantages and benefits exclusively for their residents. The tax implications can vary significantly from state to state.

As we live longer lives, there’s an awful lot to consider about your retirement years – from choosing the right Medicare plan to the possibility of a healthcare episode to finding a ride to the grocery store. Raymond James has partnered with several services to help make these challenges easier for you and your loved ones. Click on the tabs below to learn more about the available services.

Holistic planning - for your financial life