Corporate Executives and Employees Face Unique
RETIREMENT PLANNING CHALLENGES AND OPPORTUNITIES

You may have restricted stock units (RSU), incentive stock options (ISO) and nonqualified stock options as part of your corporate benefits. We are knowledgeable about each and can provide guidance to adhere to company and regulatory policies when it is time to sell.

Ownership guidelines require corporate executives to obtain a certain number of shares within a set time, and holding requirements mandate that they retain a certain number of shares from the vesting of stock or the exercising of options. We can help guide you through these complex situations.

Deferred compensation, whether a pension, retirement plan or employee stock options, is paid out at a later date after it was earned. We can offer guidance to prevent any early withdrawal penalties and prepare you for potential tax consequences upon payout.

We can help you review and understand the information on your corporate resource website, and the implications it can have for your financial and retirement picture.

We can help you identify the pension plan criteria you must meet to maximize your potential payouts, and help you determine how much you are eligible to receive in order to help fund your retirement.

There is a more favorable capital gains tax rate on the net unrealized appreciation (NUA) of company stock upon distribution after certain qualifying events. We can analyze your specific situation to determine the difference between the original cost basis of your company stock and the current market value, and take the necessary actions to achieve a more favorable tax rate.

There are many scenarios that can lead to a concentrated stock position, and monetization strategies can be effective for optimizing your portfolio’s performance and providing needed liquidity. We can implement strategies to alleviate potential risks while staying aligned with your goals.

By utilizing asset allocation strategies and carefully selected money managers across a diverse range of equity and fixed-income disciplines, our goal is to provide you with an institutional-quality portfolio designed to help achieve financial objectives.

Diversification and asset allocation do not guarantee a profit nor protect against losses.

Through Raymond James, we offer personal lines of credit*, investment accounts with check writing, online bill payment, enhanced reporting and more. We also can assist you in evaluating short-term interest-bearing instruments, such as brokered certificates of deposit, and cash sweep options.

*The personal line of credit is through a margin account. Borrowing on margin and using securities as collateral may involve a high degree of risk and is not suitable for all investors. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash in the account. The securities in the account may be sold to meet the margin call, and the firm can sell the investor’s securities without contacting them. The interest rates charged are determined by the amount borrowed. For additional information on margin, visit sec.gov/investor/pubs/margin.htm. Banking and lending solutions provided by Raymond James Bank, N.A. Raymond James Financial Services, Inc. is affiliated with Raymond James Bank, N.A., a federally chartered national bank. Unless otherwise specified, products purchased from or held at Raymond James Financial Services 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.

We take a tax-sensitive approach to financial planning and can work with your accountant and tax attorney to help mitigate the impact of taxes. In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.

While we are familiar with the tax provisions of the issues presented herein, as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.

Giving cannot only help the organizations you choose, but can also generate personal tax benefits and advance your wealth management plan. We can help you with solutions that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.

Through our affiliate Raymond James Trust, N.A., we offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. Whether your goal is to minimize estate taxes, provide for loved ones, or dictate how you want your wishes to be carried out, we can help.

We can provide a full range of quality insurance alternatives that can offer an important layer of safety for you, your family or your business. We can build a protective cushion through life insurance, preserve your estate with long-term care insurance, and combine protection with tax-advantaged growth opportunities with annuities.

Insurance and annuities offered through Raymond James Insurance Group, an affiliate of Raymond James Financial Services, Inc.