While you may not feel that wealth necessarily defines who you are, it is certainly an indicator of the successful career choices and smart business decisions you have made along the way. We offer a full range of services to not only help manage your wealth, but to preserve it and build an enduring estate and legacy for your future and family. Having your financial affairs fully in order can liberate you from constantly dwelling on the persistent details, so you can focus on developing the next chapter of your life.
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Retirement income planning
Certificates of Deposit offer FDIC insurance and a fixed rate of return while both principal and yield of investment securities will fluctuate with changes in market conditions.
Covered calls
Covered call writers are obligated to sell shares at the strike price if assigned, which limits possible gains and may result in a taxable gain for the option writer. This strategy does not usually provide protection from significant downward price movements and the covered call writer will not participate in any appreciation of the underlying stock above the strike price.
The services we offer include:
Today’s markets are complex and may often be seen as confusing. We provide clear and concise strategies using those investments and tools that are most appropriate to help reach those goals.
Asset allocation does not ensure a profit nor protect against loss.
Raymond James provides access to professionals whose skills at risk profiling, institutional asset allocation, money management selection and investment policy development help navigate a constantly changing financial environment.
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 preserved for the purpose you have intended.
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 long-term goals.
Our comprehensive financial planning services:
- Net-worth analysis
- Strategic asset allocation
- Retirement planning
- Traditional IRAs
- Roth IRAs
- Qualified retirement plans
- Company retirement plan rollovers
- Social Security strategies
- Retirement income planning
- Education planning
- Education savings accounts
- 529 college savings plans
- Custodial accounts
- Trust and estate planning
- Life and long term care insurance/annuities
- Liquidity and cash flow strategies
- Tax planning and liability management
Investing in mutual funds can be an effective way to diversify some or all of 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.
When it comes to planning for and living in retirement, patience and discipline are more than virtues – they’re necessities. While many people think in terms of that single date, the most important part of retirement is all the days that come after day one – because today’s retirements are more active, more complex and longer than ever before. We’ll help you plan for all the goals and stages of a full, long-term retirement by developing a comprehensive retirement income plan – for day one and on.
Individual equities can often play a significant role in achieving your long-term objectives. While owning equities may increase the volatility within your portfolio, they can also open the door to opportunities.
Whether you’re accumulating wealth or looking for income in retirement, we can help.
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.
Bonds can play an important role in a well-diversified portfolio. They can provide predictable income and, most important, relative safety of principal.* Also, bonds may help minimize overall volatility. We can find the appropriate fixed income vehicles that meet your objectives and can develop specific income strategies as part of your overall asset allocation plan.
* If held to maturity, subject to issuer credit risk. If sold prior to maturity, you will receive the then-current market value, which may be more or less than your initial investment.
Raymond James Bank is a nationwide lender offering a full range of residential first mortgages and a high level of service via a personal mortgage consultant who will serve you throughout the entire loan process.
Equal Housing Lender
Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A., member FDIC. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc. companies are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested. Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance may be required.
Raymond James Associates, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.
We work with business leaders to provide the retirement resources, education and planning they need for themselves and their employees. We can help you develop, introduce and manage a 401(k) plan suited to the needs of your business and the people who make it successful.
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.
Your firm has recognized the contributions you have made to its success by granting you options to purchase company stock. We can help you carefully consider decisions regarding your stock options, such as timing the exercise, how to complete the transaction and choosing to hold or sell the acquired shares. We can also collaborate with your tax attorney, when warranted.
Retirement income planning
Certificates of Deposit offer FDIC insurance and a fixed rate of return while both principal and yield of investment securities will fluctuate with changes in market conditions.
Covered calls
Covered call writers are obligated to sell shares at the strike price if assigned, which limits possible gains and may result in a taxable gain for the option writer. This strategy does not usually provide protection from significant downward price movements and the covered call writer will not participate in any appreciation of the underlying stock above the strike price.
I believe one of the most underutilized strategies by individual investors may be the “covered call option.” For our clients who own individual stock positions as part of their overall wealth management plan, we encourage having the ability to write a covered call against their stock position, under the right circumstances. A covered call option produces income, modestly hedges against a potential price drop in the stock but may also limit the potential upside of the stock. To learn more about covered call options and how they can play an important role in your overall wealth management plan, call me today.
Covered call writers are obligated to sell shares at the strike price if assigned, which limits possible gains and may result in a taxable gain for the option writer. This strategy does not usually provide protection from significant downward price movements and the covered call writer will not participate in any appreciation of the underlying stock above the strike price.
Options involve risk and are not suitable for all investors. When appropriate, options should comprise a modest portion of an investor's portfolio. Prior to buying or selling an option, a person must receive a copy of “Characteristics and Risks of Standardized Options” (ODD). Copies of the ODD are available from your financial advisor, from cboedirect.com/Resources/Intro.aspx or by contacting Raymond James at 880 Carillon Parkway, St. Petersburg, FL 33716. The information in this document is provided solely for general education and information purposes and, therefore, should not be considered a complete description of listed options. No statement within this document should be construed as a recommendation to buy or sell a security or to provide investment advice. Please consult a tax advisor for the tax implications involved in the use of options.
