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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There’s much more to your life than simple transactions and returns. Similarly, there’s more to financial planning than just a portfolio and a retirement strategy. You have many things to plan for now, soon and well into the future, so we look at financial planning through a wide lens, and we develop strategies designed to keep you comfortable in the present while helping you reach your near- and long-term goals.

Our comprehensive financial planning services include:

• Net-worth analysis
• Cash flow planning
• Strategic asset allocation
• Retirement planning
  • Traditional IRAs
  • Roth IRAs
  • Qualified retirement plans
  • Company retirement plan rollovers
• Education planning
  • Education savings accounts
  • 529 college savings plans
  • Custodial accounts
• Trust and estate planning
• Insurance and annuities
• Liquidity and cash flow strategies
• Tax planning and liability management

If you’ve changed jobs or are retiring, rolling over your retirement assets to an IRA can be an excellent solution. 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.

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.

A well-designed estate plan can effectively help mitigate your family’s tax burden. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial tradition that can be passed on for generations.

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 a business owner, you know all about hard work and commitment. You’ve overcome challenges and achieved milestones along the way. It’s only natural you’d want to associate with someone who possesses the same level of understanding when it comes to getting the financial advice and solutions necessary to take your business further.

We understand the challenges business owners often face and have helped many new, growing and mature businesses succeed. 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
• Insurance
• Financing
• Retirement and succession planning

The rewards of providing uncommon vision and leadership can be significant, but with them often come unique challenges and risks, such as highly concentrated stock positions.

We can help you with many different executive transactions, including employee stock ownership plans, cashless stock option exercises, rule 144 executions, 10b5-1 sales plans and hedging and monetization for concentrated equity positions. In addition, we can assist with corporate solutions such as share repurchase programs, corporate cash management, executive benefit platforms and retirement programs.

Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James, we can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization.

For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance and combine protection and tax-advantaged growth opportunities with annuities.

We go even further toward providing a great client experience. We offer many other value-added services, which can be seen in our Value-Added Client Service Platform.