Holistic planning for your full financial life

Preserving your wealth and maintaining your standard of living are among your highest priorities. People are living longer today, so the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, asset protection and reallocation, account titling and beneficiaries, multigenerational wealth transfer and charitable giving.

Retirement concerns are not solely about financial matters, but also about quality of life and levels of independence. Because people are living longer today, many of today’s retirees can expect to live another 30 years. It’s why we also provide longevity planning to address important issues associated with aging and the effects of increasing life expectancies, as they relate to housing, healthcare, caregiving and transportation.

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.

Funding a child’s or grandchild’s higher education can be a personally rewarding use of your wealth. We can help you provide for this opportunity with investment vehicles such as 529 college savings accounts and specialized trust vehicles.

Earnings in 529 plans are not subject to federal tax and in most cases state tax, as long as you use withdrawals for eligible education expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible education expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings. An investor should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. Such benefits include financial aid, scholarship funds and protection from creditors. 529 plans offered outside their resident state may not provide the same tax benefits as those offered within their state.

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.

Raymond James Trust, N.A., is a subsidiary of Raymond James Financial, Inc. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Trust.

You understand the effort that goes into creating a successful business. It is no surprise that a successful transition – whether it’s selling all or part of your business or passing it on to an heir – requires substantial work as well.

It’s imperative to have someone by your side carefully reviewing the deal and keeping your best interests in mind. You’ll also need to factor in how the proceeds will fit into your overall financial and retirement income plan – in the most tax-efficient way possible.

We can work with you to properly value your business, create a succession plan designed to maximize its financial potential, and address the details essential to all parties concerned. Collaborating with your tax and legal professionals, we can work to ensure your interests are well represented as you transition out of your business and move on to the next stage of your life.

How you borrow and manage cash can be as important to the success of your wealth plan as having the appropriate investment strategy. That’s why we offer you a complete suite of cash management, banking and lending tools that give you the power to take advantage of your unique opportunities.

Lending solutions offered by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. 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 put into contact with a Raymond James Bank employee for your residential mortgage needs. Insurance and annuities offered through Raymond James Insurance Group, an affiliate of Raymond James & Associates, Inc.

A well-constructed 401(k) plan or profit sharing plan is an ideal way for your company or organization to attract and retain quality staff, as well as help you and your executives and employees plan and save for their own futures. We can help you establish, manage and run the plan that is right for you and your company or nonprofit, then help with investment policy statement development, investment recommendations, provider reviews, annual reviews and investment education for your staff.

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 help alleviate potential risk 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 offer the resources and expertise to ensure seamless and efficient execution.