Providing thoughtful wealth strategies for life

Through Raymond James, we can offer 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.

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. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.

There is no assurance any investment strategy will be successful. Investing involves risk including the possible loss of capital. Asset allocation does not ensure a profit nor protect against loss. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. Alternative investments are available only to those who meet specific suitability requirements. There are special risks involved with alternative investments, including investment strategies, and different regulatory and reporting requirements.

Developing your financial plan is key to successfully managing your and your family’s wealth. 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.

We’ve helped many people just like you bridge the gap between life before and after the significant shift to retirement. By your side, we’re here to help with every phase of retirement planning. During your working years, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, we’ll help you with critical decisions regarding retirement plan options, Social Security and tax planning. Once you’re retired, we’ll determine tax-efficient income and wealth transfer strategies designed to help you in retirement.

Over the years we have learned – and witnessed – the importance of taking the necessary steps to protect your legacy for the generations to come. We work with your tax and legal professionals to create or update your estate plan documents, such as your will, trusts and powers of attorney, and ensure your beneficiary designations are up to date on everything from your retirement accounts to your insurance policies.

We also offer a full array of trust structures, including charitable-giving tools that may feature tax advantages. Whether your goal is to minimize estate taxes, help ensure you have the funds you need down the road, provide for a loved one or spell out exactly how you want your wishes to be carried out, we can help.

We can discuss your 401(k) options if you plan to change companies or exit the workforce. You typically have four options (and may engage in a combination of these options): Leave the money in your former employer’s plan, if permitted; roll over the assets to your new employer’s plan, if permitted; roll over to an IRA; or cash out the account value.

Both employer plans and IRAs typically involve investment-related expenses and plan or account fees. Investment-related expenses may include sales loads, commissions, the expenses of any mutual funds in which assets are invested and investment advisory fees. Plan fees typically include plan administrative fees (e.g., recordkeeping, compliance, trustee fees) and fees for services such as access to a customer service representative. In some cases, employers pay for some or all of the plan’s administrative expenses. An IRA’s account fees may include, for example, administrative, account set-up and custodial fees.

Giving your child or grandchild greater opportunity can be one of the most rewarding aspects of success and one of the most important elements in your financial plan. 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.