Insight into the clients we serve
While a majority of our clients are here in the Midwest where they grew up and raised their families, we also have clients along the east coast, and in Florida and Arizona, who have relocated from here or have been referred to us.
Most of our clients are self-made individuals as well as families that have accumulated wealth, so they tend to be more traditional and conservative in their lifestyles. Spending ostentatiously is just not them.
We find them to be sophisticated, polished and intelligent. They enjoy traveling the globe, activities with their families, and gatherings involving good food and wine.
The majority of our clients are already enjoying retirement, but we also work with younger professionals and business owners who are building their careers and investing in their futures.
We have both male and female clients, and in many cases, the wives serve as the lead decision-makers of the family’s finances.
We work hard to build long-term and trusting relationships with our clients, and to provide the quality guidance and advice they want and need. Our clients generally accept our recommendations, but we are flexible enough to work with them if they have alternative ideas.
-
We help families address the many financial matters they face, balancing today’s needs with the goals of tomorrow. There are college educations to be funded and insurance plans to be made for protecting your family. Whatever the need, we’ll be here for you as your family builds, grows and evolves into future generations.
Oftentimes, family wealth is concentrated in a single stock received through inheritance or a successful business career. We have strategies designed to hedge, monetize, diversify or transfer assets, while mitigating tax implications. Another risk to wealth is the erosion of investment gains due to taxes. Our knowledge of tax-advantaged investments and the tax impact of specific transactions can potentially help you keep more of what you’ve earned.
Our clients are also highly interested in leaving a legacy for their children, grandchildren and community organizations they support. We have strategies designed to not only provide for those you care about, but also potentially generate personal tax benefits and further their overall wealth management plans.
Our mission is to serve as your family’s advisors for life, handling all matters related to managing and preserving your wealth, and building your legacy – so you are free to focus on enjoying your life and the people important to it.
Diversification and asset allocation do not ensure a profit or protect against a loss. Keep in mind that there is no assurance that any strategy will ultimately be successful or profitable nor protect against a loss. Raymond James financial advisors do not render tax advice. Please consult a qualified professional regarding tax matters.
-
We serve professionals such as physicians, dentists and attorneys, who often are self-employed and building a practice that is starting to generate significant income. They realize the prudence of having a well-designed financial plan not only for addressing short-term needs today, such as saving for their children’s college educations, but looking long term to their own retirement.
We know that you spend long days serving your clients or patients, and that you shouldn’t also have to worry about managing your money. We understand the many important financial matters professionals must address, including preserving assets through liability risk, tax planning, managing cash flow, mitigating the effects of healthcare cutbacks, managing education debt, valuating a firm or practice for purchase or sale and, ultimately, achieving financial independence.
You can rely on us to provide high-level expertise and advice for your personal financial matters and the needs of your firm or practice. We can serve as your trusted partner to help manage your investments, and mitigate your tax burden, while also addressing key issues such as estate planning, generational wealth transfer and your philanthropic efforts.
Investing involves risk and investors may incur a profit or a loss. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.
-
Much good comes from small businesses. They employ about half of the workforce, and incubate new technologies and business methods. We can’t have a strong economy without successful small businesses.
As a business owner, you know how much hard work and commitment it takes. It’s only natural you want someone with that same understanding when it comes to getting the advice and strategies necessary to take your business to the next level.
That’s where we can help. We understand the challenges business owners often face and have helped many new, growing and mature businesses succeed. Most importantly, 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 preservation, cash management, company 401(k) plans, insurance, financing, succession planning and, of course, your own retirement.
In addition to our own experience and financial knowledge, we have access to all the resources of Raymond James, one of the country’s leading financial services firms. Best of all, you’ll enjoy the confidence of knowing you have a single, trusted source for financial advice – and more time to devote to growing your business.
-
The need for financial planning doesn’t just end with retirement. People are living longer today, so the possibility of going another 30 years without a paycheck takes careful consideration.
That’s why it’s important to have an experienced financial team to help you with preserving your wealth, creating sustainable income throughout retirement and enabling you to maintain your lifestyle. We can create a personalized plan designed to preserve your wealth and mitigate the impact of market risk, taxes and inflation. This includes having a sustainable withdrawal strategy to strike a careful balance between your need for monthly income and your desire to make your money last.
We will help you differentiate your essential living expenses from aspirational lifestyle expenses, manage your required minimum distributions and determine the most tax-efficient ways to draw income from your taxable and tax-deferred investments.
We’ll also make sure to review important matters such as Social Security and Medicare. Plus, we’ll collaborate with your legal and insurance professionals on having a plan for your estate, and having the protection provided by life insurance and long-term care insurance.
You’ve worked hard to arrive at this significant stage of your life: Our goal is to help you enjoy it.
Please note, changes in tax laws may occur at any time and could have a substantial impact upon each person's situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJA, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
Not all strategies or investment products are suitable for all investors.
