Guiding Healthcare Executives and Physicians
THROUGH CRITICAL CHOICES TO TRANSITION INTO AND THRIVE IN RETIREMENT

These nonqualified, tax advantaged deferred-compensation retirement plans are offered by state and local governments and some nonprofits. If you are enrolled in one, we can offer guidance on the tax ramifications when it comes time to withdraw funds from your account.

This is a retirement account for employees of cooperative hospital service organizations, public education organizations and some nonprofits. We can offer guidance to enrollees on the tax implications of making withdrawals.

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.

Employer-sponsored coverage can, in some cases, also include retired employees. We can help you weigh the pros and cons of staying on your employer’s insurance versus switching to Medicare.

Navigating the Medicare universe without a knowledgeable guide can be overwhelming. There is Medicare part A, B, C and D, as well as Medigap and Advantage Plans. We can advise you on the many Medicare options and decisions you will encounter upon retiring.

Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. 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.

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. Our team is knowledgeable about tax and regulatory standards. We understand the many factors our clients must take into account while managing their options, and we offer the resources and expertise to ensure seamless and efficient execution.

In today’s often complex marketplace, even the most sophisticated investor is challenged to keep up and respond to changing conditions. 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 work with you and your other professional advisors – accountants and tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies designed to lessen or shift current and future tax liabilities, we can help improve your prospects for meeting your financial objectives. 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.