Your financial needs change over time, from accumulating wealth to planning for retirement to making your money last as long as possible through retirement. One constant, however, is our ability to help you pursue your goals throughout your whole life. Through a full spectrum of financial services, we can help you plan not only for a wide range of needs, but for the long succession of significant events that span your lifetime.
We use asset allocation as a strategy designed to help you pursue your financial goals without assuming undue risk. 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. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments
Asset allocation does not ensure a profit nor protect against loss.
We offer full-service asset management for clients who prefer to utilize the skills and expertise of professional money managers. A comprehensive process helps match your unique goals and risk tolerance with an asset allocation model that’s right for you – from capital preservation to asset growth designed to meet your long-term goals.
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 preserved for the use you have intended.
A well-designed estate plan can effectively help mitigate your family’s tax burden. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.
By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial tradition that can be passed on for generations.
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, soon and well into 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.
Our comprehensive financial planning services include:
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. You aspire to stay in your home as long as you want and be able to leave behind the legacy you had envisioned. 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 investigate your 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 a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization.
For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance and combine protection and tax-advantaged growth opportunities with annuities.
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. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can 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. Keep in mind that tax laws are often complex and frequently change.
Please note: Changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.
You may have an established relationship with a trusted accountant or attorney. Each of these experts has a broad base of knowledge and brings a viable perspective to the table. We will collaborate with them to bring complete cohesion to your financial affairs and provide true holistic wealth management.
Managing debt and maintaining your lifestyle over the long term can be challenging. Without a reasonable budgeting plan, it is difficult to effectively manage spending. We can conduct a cash flow analysis to help you compare your income to your expenses and determine your net cash flow. This will help determine a realistic and appropriate monthly and annual budget.
Most people not only have assets that need to be managed, but liabilities such as debts, loans and mortgages as well. When one’s liabilities are greater than their assets, they can be considered highly leveraged – for instance, if they are a first-time house buyer with a high mortgage. If these liabilities are neglected or poorly managed, they can result in the sell-offs of assets. We can help you monitor and manage the financial liabilities in your life to help ensure they don’t impact your financial well-being.
Risk analysis is the process of measuring and analyzing the risk associated with financial and investment decisions. It is important in making investment decisions because of the amount of capital involved and the long-term nature of the investments being considered. A general rule of thumb is the higher the risk, the greater the return that must be earned to compensate for it. We use several methods for the analysis of risk including simulation models and statistical software programs.
