Helping physicians address their unique needs
Corporate Executive Services
As an executive, you spend your time and energy between the office and home, with little to spare. You know your personal portfolio deserves that same level of dedication and high-level thought. With us as your partner, we strive to give you the confidence of knowing we are guiding you on the straightest path to your financial objectives.
A focus of our practice is working with executives of both private and public companies who are seeking our experience in managing the wealth they have accumulated. Many of these individuals have employee stock options, employee stock purchase plan (ESPP) shares and/or restricted stock that have not previously been managed well (if at all), and often bear excessive and unnecessary risk.
Backed by the resources of Raymond James, we can help provide executives with targeted plans that meet their objectives, whether they are focused on building their careers and wealth or moving on to different stages in their lives.
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Receiving employer stock options can complicate your financial picture, particularly if your choices result in unexpected adverse tax consequences.
Stock option planning strategies can integrate your option benefits into an overall financial plan while helping to increase tax efficiency.
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As an executive, developing a 10b5-1 sales plan is the key to gaining greater flexibility with regard to your company stock holdings while remaining fully compliant with SEC regulations. Our team can work closely with you and your other professional advisors to create and implement a predetermined, systematic trading plan designed to enhance your market opportunities and achieve your investment goals.
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If, like many executives, your portfolio is concentrated in a single security, you may be exposed to more risk than you want to assume. Through Raymond James, we offer a variety of strategies for hedging, monetizing, diversifying or transferring your concentrated equity positions while helping to manage the tax implications.
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If you are considering retirement or changing jobs, we can help you determine when and how you should take distributions from your current plan – or whether you should consider rolling it over into an eligible retirement account.
In addition to rolling over your 401(k) to an IRA, there are other options. Here is a brief look at all your options.
- Leave money in your former employer's plan, if permitted.
- Rollover the assets to your new employer's plan, if one is available and it is permitted.
- Rollover to an IRA.
- Cash out the account.
The attached brochure contains additional information on these options.
For additional information and what is suitable for your particular situation, please consult us.
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Available to active employees is a lesser-known distribution option called an in-service rollover. In the case of poor 401(k) performance or limited investment options, we can help you explore this strategy for more diversification opportunities and benefits.
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Do you have a plan to integrate your executive benefits with your long-term goals? We can help you with a range of issues from restricted stock grants and deferred compensation to assessing your pension payout options.
The process of rebalancing may result in tax consequences.
