Your financial needs evolve over time, from accumulating wealth to planning for retirement to making your money last as long as possible after your working years. One constant, however, is our ability to help you pursue your goals throughout life. With the full spectrum of financial services we offer, we can help you be well prepared for the succession of significant events that span your lifetime.
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.
Asset allocation does not ensure a profit nor protect against loss.
Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, estate planning can help ensure that assets accumulated over your lifetime are preserved for the use you have intended. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate tax issues.
There is more to your life than simple transactions and returns. Similarly, there’s more to financial planning than just a portfolio and a retirement strategy, so we look at planning through a wide lens and develop strategies designed to pursue your short- and long-term goals.
Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement planning and disciplined investing. Once in retirement, preserving your wealth and maintaining your lifestyle are likely among your highest priorities. We can help you prepare for this most significant milestone in life.
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If your goals include providing for the future of a child or grandchild, we can help you consider the 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.
Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James, we can provide quality insurance alternatives that can offer a layer of confidence for you, your family, your business or your organization.
We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants, tax attorneys – to help minimize the impact of taxes.
Please note: Changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.
If you’ve changed jobs or are retiring, we can help you roll your retirement assets over to an IRA. It is a non-taxable event, plus gives you access to a wide range of investments and the convenience of having your savings consolidated in a single location. We can handle all details for you, including contacting your former plan administrator, opening your new rollover IRA and completing the paperwork. There may be fees involved depending on your particular situation.
Depending on your situation we can also discuss other options such as rolling the account in to another 401(k) plan (if eligible), leaving the money in the existing plan, or cashing out the account value.
Think of us as your advisory partner for all your business decisions, big and small. We can help you with the financial challenges of building and managing a successful business, from cash flow concerns to insurance matters to having a succession plan. In addition, your retirement needs don’t end with you or your family – you have a team of employees to consider. We can help you establish and manage a 401(k) company retirement plan.
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