The full range of services we offer focuses on more than just your fixed-income investments, but on all facets of your financial life – from securing your family's future with a solid estate plan to funding a child's or grandchild's education with prudent college planning. We are committed to helping you meet all your financial needs and reach your objectives of growing, preserving and protecting your wealth.

Municipal Bonds

We're specialists in bonds and fixed income investments and can help you integrate bonds into your portfolio to address your current income needs and long-term objectives. We can then closely monitor the performance of your bonds and make adjustments to your portfolio as changes in the market or your personal circumstances dictate.

Asset Management

As professional money managers, we enable you to put the burdensome and complicated task of managing your own money into capable hands. We apply our skills and expertise to manage your assets in a manner aligned with your individual long-term objectives, monitoring any changes in your personal life that may warrant an adjustment in tactics or strategy.

Estate Planning

Lack of a well-designed estate plan can cost a family millions of dollars in unnecessary taxes. We are well versed in creating and implementing financial strategies to help maximize wealth transfer and minimize the tax burden from one generation to the next.

Retirement Planning

We specialize in helping individuals enjoy the comfortable retirement they envision and deserve. Accumulation and income-projection modeling can help you understand what you need to retire comfortably and whether your current savings and assets will be adequate. Once in retirement, careful planning and timing of your withdrawals is key to making your money last as long as possible.

Financial Planning

Having a financial plan tailored to your unique circumstances, encompassing all aspects of your financial life, is crucial to your long-term success. We begin by understanding who you are as an investor, taking into consideration everything from your tolerance for risk to your goals for the future and then implementing investments that are in your best interest.

Asset Allocation

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 guarantee a profit nor protect against loss. Investing involves risks including the possible loss of capital. International investing involves additional risks such as currency fluctuations, differing financial accounting standards, and possible political and economic instability. Real estate investments are subject to the many risks associated with the direct ownership of real estate. Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements.

Trust Services

Whether your goal is to minimize estate taxes, help ensure you have the funds you need down the road, provide for a loved one or spell out exactly how you want your wishes to be carried out, we can help.

We can offer a variety of personal and charitable trust services through Raymond James Trust N.A., including revocable living trusts, testamentary trusts, charitable trusts, private foundations, irrevocable trusts, life insurance trusts and marital trusts.

Account Protection

Protecting your hard-earned wealth is a top priority. Being a part of Raymond James puts the financial strength and integrity of a respected global company behind your investments.

Raymond James & Associates is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available upon request at sipc.org or by calling 202.371.8300.

Raymond James has purchased excess-SIPC coverage through various syndicates of Lloyd's, a London-based firm. Excess SIPC is fully protected by the Lloyd's trust funds and Lloyd's Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub-limit of $1.9 million per customer for cash above basic SIPC limits for the wrongful abstraction of customer funds.

Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.

College Planning

Funding the higher education of your child or grandchild helps give them a strong foundation for a fulfilling career. We can help with investment options such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.