PERSONAL GUIDANCE

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.

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.

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.

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.

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.

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.

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.