A full line-up of services for your financial life

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.
LEARN MORE

We will review your current IRA and Roth IRA's. Each time you switch employers, you may have created a new retirement account. IRA rollovers give you an easy way to consolidate these accounts.

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.

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

Raymond James offers full-service asset management for clients who prefer to utilize the skills and expertise of professional money managers. A comprehensive process helps match your unique goals and risk tolerance with an asset allocation model that's right for you – from capital protection to asset growth designed to meet your long-term goals.

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.

Whether it's providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, estate planning can help ensure that your assets are designated for the use you have intended. We offer strategies designed to efficiently manage the transfer of wealth and mitigate tax issues.

In life, we pass through several phases, each with different financial requirements. For example, the financial needs of a young married couple are not the same as those of a retired couple. That is why continuous, long-term planning is essential. Typically, there are three basic financial steps most people take in life. They include:

• Wealth accumulation – the building of a solid, diversified financial foundation from which to expand over time. During this phase, allocation of money for a home, investments, life insurance and educational expenses is coordinated with tax planning strategies to ensure that current and future income is utilized effectively.
• Wealth conservation – the inclusion of a variety of investment strategies and further diversification, designed to preserve and invest assets to help ensure adequate funds for current living expenses and future retirement needs.
• Wealth distribution – the proper allocation of assets to heirs. Good estate planning should provide for the orderly transfer of assets while avoiding unnecessary tax burdens.

In addition to the complexities and changing priorities that occur over a lifetime, a financial plan also is affected by fluctuating economic conditions, taxes and inheritance laws. We have the expertise to thoughtfully design a plan with your circumstances in mind, helping you develop a long-term financial strategy for your individual needs.

By definition, identity theft is the use, or attempted use, of an account or identifying information without the owner's permission. Normally, it involves stealing an individual's personal information and using it illegally for financial gain or other fraudulent purposes. Ensuring your privacy is a top priority. Raymond James devotes extensive technological and human resources to protecting the information you entrust to us. The more you know about identity theft, the better you can protect yourself.

Whether you are a new investor or an experienced one, investing in mutual funds may be an easy way to diversify your holdings. A growing segment of the investment market, mutual funds are professionally managed portfolios whose shares are sold to the public in much the same way that stocks are. LEARN MORE

Stock signifies ownership in a corporation. By purchasing stock, you are actually paying for a small percentage of everything the company owns. Many companies issue stock, also known as equity, to raise money for expansion, equipment upgrades or other initiatives. Generally, investors purchase stock to realize capital gains.

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants, tax attorneys – to help minimize the impact of taxes.

Please note: changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.