Services for all Your intertwined needs
We offer an extensive range of financial services that goes beyond what you might expect from the typical wealth advisor. You can count on us for practically any financial need you encounter. It’s this commitment to a comprehensive, holistic approach that allows us to provide a high level of service and convenience for addressing the multifaceted life you lead.
Managing your wealth
Addressing the complexities that often accompany the management of wealth requires prudent guidance, a disciplined approach and access to a diverse range of financial solutions.
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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, and in 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.
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The rewards of providing uncommon vision and leadership can be significant, but with them often come unique challenges and risks, such as highly concentrated stock positions. We can help you meet your comprehensive financial needs by leveraging the diverse resources of Raymond James.
Executive Transactions:
ESOPs
Cashless stock option exercises
Rule 144 executions
105b-1 sales plans
Hedging and monetization for concentrated equity positions
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As a business owner, you know all about hard work and commitment. You’ve overcome challenges and achieved milestones along the way. It’s only natural you’d want to associate with someone who possesses the same level of understanding when it comes to getting the financial advice and solutions necessary to take your business further.
We understand the challenges business owners often face and have helped many new, growing and mature businesses succeed. Most important, we recognize your business is unique. Working with you as a partner in your success, we’ll take the time to understand your goals and help you address a wide variety of needs, including:
Banking and Cash Management*
Business Lending*
Asset Management
Bonds and Mutual Funds
Insurance and Annuities**
Key Person Insurance**
Investment Banking
Retirement Plans
401(k)
Profit Sharing
Pension
Simplified Employee Pension (SEP) Plans
Savings Incentive Match Plans for Employees (SIMPLE)
Defined Benefit Plans
Deferred Compensation Plans
Executive Benefits Planning
* Available through 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.
** Offered through Raymond James Insurance Group, an affiliate of Raymond James & Associates, Inc
Preserving your wealth
While you would like to see your portfolio grow, asset preservation and risk management take on added importance once you have reached a substantial level of wealth. Maintaining your living standards, providing for your family, mitigating taxes and safeguarding your assets are concerns that merit additional consideration. With our expertise and access to extensive resources, we can provide guidance on all these vital issues.
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Asset allocation has been demonstrated to be the single most important determinant of overall investment performance and risk.* The right mix of asset classes also can help significantly reduce the volatility of one's portfolio. This is why we make asset allocation a key component of our investment strategy, selecting a mix of asset classes that reflects your objectives, time horizon and appetite for risk. Accordingly, we may recommend that your portfolio include U.S. equities, international equities, fixed income investments, alternative investments, cash and cash alternatives.
*Include source. Asset allocation does not ensure a profit nor protect against loss. Investing in international securities involves additional risks such as currency fluctuations, differing financial accounting standards, and possible political and economic instability. These risks are greater in emerging markets. Alternative investment strategies involve greater risks and are not appropriate for all investors.
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We take a tax-sensitive approach to financial planning and work with you and your CPA and tax attorney to mitigate the impact of taxes on your investments. By developing and implementing strategies to lessen current and future tax liabilities, we can enhance your prospects for meeting your financial objectives. In addition, prudent tax planning can be a significant factor in the amount of wealth you can someday transfer to your loved ones.
Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. 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 any tax or legal matters with the appropriate professional.
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Insurance can play a key role in preserving your wealth and providing for your family. Because insurance helps protect you from unexpected events, it can serve as an important layer of safety for you or your business. Raymond James provides a diverse range of quality insurance alternatives, including life insurance, long-term care insurance and annuities.
Offered through Raymond James Insurance Group, an affiliate of Raymond James & Associates, Inc.
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A family's wealth is often concentrated in a single stock, either inherited or earned during a successful business career. If you fall into this category, there are many options beyond simply selling the stock. Although reducing the risk of a concentrated equity position can be complicated, we can provide a variety of solutions that can monetize, diversify or transfer the position while managing the tax implications.
Diversification does not guarantee a profit nor protect against loss.
Building your legacy
One of the most rewarding aspects of wealth is the opportunity to share it. Working with your legal and tax professionals, we can help develop a plan that enables you to maintain your lifestyle now while building a successful financial legacy for your future
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Whether it's providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, a well-crafted estate plan allows you to control your assets while passing your wealth on to your beneficiaries in an efficient manner that reflects your personal values. By working closely with you and your family, we can help you establish a financial tradition that can be passed on for generations.
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Charitable giving can not only assist the organizations of your choice, but also generate personal tax benefits and advance your overall 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.
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Funding higher education for your children or grandchildren can be a most rewarding use of your wealth. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings plans and specialized trust vehicles.
Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
