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In life, we pass through several phases, each with different financial requirements. For example, the financial needs of a young married couple are not the same as those of a retired couple. That is why continuous, long-term planning is essential. Typically, there are three basic financial steps most people take in life.

They include:

* Wealth accumulation – the building of a solid, diversified financial foundation from which to expand over time. During this phase, allocation of money for a home, investments, life insurance and educational expenses is coordinated with tax planning strategies to ensure that current and future income is utilized effectively.

* Wealth conservation – the inclusion of a variety of investment strategies and further diversification, designed to preserve and grow assets to help ensure adequate funds for current living expenses and future retirement needs.

* Wealth distribution – the proper allocation of assets to heirs. Good estate planning should provide for the orderly transfer of assets while avoiding unnecessary tax burdens.

In addition to the complexities and changing priorities that occur over a lifetime, a financial plan also is affected by fluctuating economic conditions, taxes and inheritance laws. We have the expertise to thoughtfully design a plan with your circumstances in mind, helping you develop a long-term financial strategy for your individual needs.

I provide objective information and unbiased guidance. Because I am not required to sell specific products, I have the freedom to help you select the investments that are right for you. Sound investment decisions are based on facts and careful research, not emotions.

The decision to begin the financial planning process should not be taken lightly, nor should it be put off.

The earlier your plan begins, the greater the potential for rewards.

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.

Edward J. Moffitt CERTIFIED FINANCIAL PLANNER™ Vice President, Investments Contact Us