OUR SERVICES

June’s story

Recently divorced, June had a lot of questions. In regard to her financial plans, she needed someone to listen and understand—and we did. We conducted a portfolio evaluation and considered how June’s life would be different than before. We then communicated a few different options and helped June understand the benefits of each. When we decided on a plan, we took care of all the details. In the months leading up to our meeting, June was filled with concern. But after, we believe that her concern was replaced with confidence.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Andrew and Christina’s story

With a successful trucking business to their name, Andrew and his wife, Christina, did not have many financial worries. At the same time, the business took much of Andrew’s attention away from his financial planning. He’d often work 60 hours per week, and knew he needed a financial partner that could accommodate his busy schedule. When Andrew and Christina came to us, we discussed retirement and succession planning, as well as employee compensation plans. Now, they have a plan. And the attention is where it belongs—on their business and family.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Norman’s story

Norman knew it was important to invest for the future, but he always remembered his grandfather telling him not to “put all his eggs in one basket.” We told him that by allocating his assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent return over the long term. Based on Norman’s goals and risk tolerance, along with the economic environment and other factors, we created a portfolio that allocated his assets to a variety of sectors and investments.

Asset allocation does not ensure a profit nor protect against loss. Sector investments are speculative in nature, subject to fierce competition and involve more risk than investing in well-established companies. Also investing in an individual sector involves limited diversification, and may not be appropriate for every investor.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Pat’s story

Pat was well-versed in the skill of art direction. Unfortunately, his creative mind wasn’t as financially savvy. He knew, however, with a freelance business to his name, he needed to partner with a team that was. After a recommendation from one of his trusted clients, Pat approached us. He told us his story, his current situation, and his hopes for the future. He explained how he had some money set aside for retirement, but wasn’t sure if he should be putting aside more. We helped Pat through his questions and made our recommendations—striving to simplify the process the whole way through. Going in, Pat was concerned that the world of financial planning would be over his head. But just a few minutes into our conversation, we believe he realized that, with the right partner, it could be right on his level.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Ben’s story

Ben was anxious. He had no contingency plan in place for the event of a disability. And he also had a family to think about. Ben’s friend recommend that he contact us, and we were happy to help. We learned about Ben, which helped us learn exactly what he needed. Then, working with the disability insurance resources of Raymond James, we compared proposals from multiple carriers to get Ben the coverage he needed.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Francesca’s story

As both a restaurant owner and entrepreneur, Francesca had a lot of financial confidence. She was willing to take more risk than the average investor in order to pursue above-average returns. We sat down with Francesca and learned more about her background, passion for food, and what drove her business mind. Then, we designed a financial strategy that included additional asset classes, geared to accommodate her ambitious goals. Periodically, we’ll meet with Francesca and update her on financial progress. And we always look forward to hearing how the restaurant is doing.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

David’s story

David worried that the death or disability of his business partner could negatively impact his business. Naturally, he wanted to protect against such a risk. Reviewing his objectives, we funded buy-sell agreements with the appropriate life insurance and disability buy-out policies. Now in case of the unexpected, David knows what to expect. We believe it helps David feel more confident about the future.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Edward’s story

Edward was the proud owner of a business that was doing very well. He thought it was an opportune time to open a second location, but he didn’t want to liquidate his current investments or interrupt his long-term financial plan. So we worked with Raymond James Bank to set up a Securities Based Line of Credit, providing a low-cost source of capital and new inspiration for his big plans.

A Securities Based Line of Credit may not be suitable for all clients. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and Capital Access

The experiences listed here may not be representative of the experience of all clients and may not be indicative of future performance or success. Investing involves risk and investors may incur a profit or a loss. Past performance is not indicative of future results.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

William and Alexandra’s story

With hopes of retiring, William and Alexandra first wanted to be sure that they had a steady stream of income to support their lifestyle and desired comfort level. They also wanted to take a two-month-long trip to Europe, but weren’t sure if they could afford it. After learning about their needs during a face-to-face meeting, we helped William and Alexandra with investment guidance and estate planning. Today, they aren’t quite at retirement yet, but when the time comes, they’ll already have a plan in place. Then, it’s off to France.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Albert and Kate’s story

Worried about making ends meet if one of them passed away, Albert and Kate decided to defer taking Social Security until the age of 70 when their monthly payout would be the maximum. Still, they wondered if that would be enough. They approached us and we helped them find an affordable life insurance policy designed to provide additional retirement income for the surviving spouse.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Tim and Angela’s story

With a successful art studio to their name, Tim and Angela enjoyed their time at work and their time together. But their estate was in question. That’s why they came to us. We talked through the services available – and talked through their tax planning needs. Today, Tim and Angela understand that it’s never too early to have a plan. And, since we strive to simplify the process, we are confident they understand the details of theirs.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Mark and Kelly’s story

Wanting to protect their investments from the risk of a health event, such as a lengthy stay in a nursing home, Mark and Kelly came to us with many questions. And we were happy to answer them. Together, we compared different long-term care policies against self-funding the cost of care. Ultimately, they decided getting coverage was the best route to take. We meet with Mark and Kelly frequently. And we’re happy that they’re still in good health. We’re also comforted knowing that if their health does take a turn, they’ll have a plan in place.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.

Jim and Judy’s story

Jim and Judy were concerned about whether any of their adult children could or should serve as successor trustees or representatives of their estate when the time comes. We worked with Raymond James Trust, which helped them appoint an independent trustee to act on their behalf. They are now content that their family will be taken care of and that their wishes will be carried without the burden or responsibility falling on their children.

This is a hypothetical example for illustration purposes only. Actual investor results will vary.