We provide an array of services

to address all your priorities in life

Your financial objectives may range from accumulating wealth to planning for retirement to making your money last as long as possible throughout retirement. In fact, over the course of your lifetime, you will undoubtedly pursue all of these goals. With the full range of financial services we offer through Raymond James, we can help you be prepared for all the significant events of your life.

LIFE CHANGING EVENTS

Life changing events ... what will you do?

We know you’re busy. But just for a moment, please pause and consider the implications and consequences that certain events – planned and unplanned – can have on your life. Then consider the fact that you don’t have to face these events alone or unprepared. We invite you to talk to us and to put our 35-plus years of experience to work for you – to help avoid missteps and pitfalls by learning what you need to do and when. Contact us today to discuss your unique situation. We can help you prepare for what may come your way.

Talk to us about:

Changes in employment

Retirement ...

If you've changed jobs or are retiring, here is a brief look at all your choices. For additional information and what is suitable for your particular situation, please consult us.

  • Leave money in your former employer's plan, if permitted. Pro: May like the investments offered in the plan and may not have a fee for leaving it in the plan. Not a taxable event.
  • Roll over the assets to your new employer's plan, if one is available and it is permitted. Pro: Keeping it all together and larger sum of money working for you, not a taxable event. Con: Not all employer plans accept rollovers.
  • Roll over to an IRA. Pro: Likely more investment options, not a taxable event, consolidating accounts and locations. Con: Usually fee involved, potential termination fees.
  • Cash out the account. Con: A taxable event, loss of investing potential. Costly for young individuals under 59½; there is a penalty of 10% in addition to income taxes.

Changing jobs ...

  • Life insurance
    • Group plans end with termination
  • 401(k) or other retirement plans
    • Keep money in your old employer's plan
    • Cash out
    • Roll to new employer (if permitted)
    • Roll to IRA

Loss of a job ...

  • Emergency fund
  • Consider home equity
  • Check insurance riders – you may not have to pay premiums if you lose your job
  • Scrutinize budget
  • Unemployment
    • Taxable but not withheld – set aside taxes
  • Health insurance
    • Retirement accounts should be the last place from which to take money – penalties and taxes may apply

Selling a business ...

  • 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

Sudden wealth

Inheritance, bonus or other windfall ...

  • Taxes that may apply
  • Paying off debt/credit card debt
  • Investments – getting help managing
    • Retirement
    • Insurance
    • Estate planning
    • Charitable giving
    • Saving for college
    • Bulking up your 401(k)
    • Contributing to your IRA
    • Taking advantage of the markets

Loss of a spouse

Death ...

This is a very difficult time in your life; while you work through the emotional upheavals, you need your professional advisors and providers to handle their areas of expertise.

  • Contact your attorney – Review estate needs
  • Contact your financial advisor/insurance agent – to handle processing insurance/annuity claims and retitling accounts properly
    • Your financial advisor can help you through this very difficult time navigating the paperwork
  • You need to evaluate your financial situation with an expert
    • Existing
    • Current
    • Future

Divorce ...

With so many emotions involved in the dissolution of a marriage, you will want to make the financial aspects of your divorce proceed as smoothly as possible. Contact your Financial Advisor as soon as possible.

  • Get your finances in order now
  • Don't do anything unless your attorney reviews it once a divorce is imminent
  • Evaluate your current and post-divorce financial position

Your financial advisor, along with your estate planning attorney and your CPA, can help realign your personal financial plan through these difficult times in your life.

LET US BE THE ONES TO HELP GUIDE YOU

ASSET ALLOCATION

This long-term strategy is designed to help you achieve 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 tolerance for risk, 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.

PRIVATE PORTFOLIO MANAGEMENT

Our objectives are to preserve wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. To achieve those objectives, we provide discretionary portfolio management services to individuals and institutions and remain committed to following a disciplined investment process.

With discretionary portfolio management, we assume the day-to-day management responsibilities of your portfolio led by an investment policy that we will create with you. The investment policy allows us to handle transactions on your behalf without the need for phone calls and paperwork every time a transaction or trade is made. Your investment policy will set very specific parameters – based on your clearly defined objectives, your tolerance for risk and your investment time line – that we will follow implicitly. Consistent communication and transparency help ensure your strategy and portfolio remain aligned with your objectives and preferences.

LEGACY AND ESTATE PLANNING

Depending on your financial situation, you may be confident that you can fund a comfortable retirement and still have money left over to leave an inheritance for family members or to provide a sizable donation to a favorite charity or two.

However, you may not be able to accomplish these things if your retirement portfolio has been affected by market volatility or if you’ve had unanticipated expenses. If this is the case, some tradeoffs may be necessary, such as settling for a more modest retirement lifestyle, postponing your retirement or making other changes to achieve your legacy goals.

We can assist you with your estate and legacy planning, helping you determine a course most appropriate to your situation and selecting effective vehicles to implement your plan. 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. 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.

Only after you are satisfied that your retirement plan will provide you a comfortable retirement should you think about the legacy you would like to leave.

FINANCIAL PLANNING

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:

  • Net-worth analysis
  • Cash flow planning
  • Strategic asset allocation
  • Retirement planning
    • Traditional IRAs
    • Roth IRAs
    • Qualified retirement plans
  • Education planning
    • Education savings accounts
    • 529 college savings plans
    • Custodial accounts
  • Trust and estate planning
  • Insurance and annuities
  • Liquidity and cash flow strategies
  • Tax mitigation and liability management
RETIREMENT PLANNING

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. Click here to learn more.

COLLEGE PLANNING

If your goals include providing for the future of a child or grandchild, we can help you investigate 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.

EMPLOYEE BENEFITS 401(K) AND ROLLOVERS

As a business owner, you know all about hard work and commitment. You’ve overcome challenges and achieved milestones along the way. That’s why we’re pleased to offer services to help your business grow, attract and retain good people and compensate key employees, including yourself. These services include:

  • Key person insurance
  • 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

401(k) plan rollovers

If you've changed jobs or are retiring, here is a brief look at all your choices. For additional information and what is suitable for your particular situation, please consult us.

  • Leave money in your former employer's plan, if permitted. Pro: May like the investments offered in the plan and may not have a fee for leaving it in the plan. Not a taxable event.
  • Roll over the assets to your new employer's plan, if one is available and it is permitted. Pro: Keeping it all together and larger sum of money working for you, not a taxable event. Con: Not all employer plans accept rollovers.
  • Roll over to an IRA. Pro: Likely more investment options, not a taxable event, consolidating accounts and locations. Con: Usually fee involved, potential termination fees.
  • Cash out the account. Con: A taxable event, loss of investing potential. Costly for young individuals under 59½; there is a penalty of 10% in addition to income taxes.

What to expect from your 401(k) advisor

INVESTMENTS AND SECURITIES

We can customize an appropriate mix of mutual funds, stocks, bonds and other investments based on your needs, goals, timeline and risk tolerance. Whether you’re accumulating wealth or looking for income in retirement, we can help.

CHARITABLE GIVING

Philanthropy can bring personal satisfaction and enable you to support causes and organizations that matter most to you. It can result in significant tax advantages, as well – including income tax deductions, reduction of capital gains taxes, and lower estate taxes. We can help tailor a charitable giving plan for you that can include one or more of the following forms:

Outright gifts

Benefits charities immediately and creates a gift tax deduction.

Will or trust bequests and beneficiary designations

Through your will or trust document, or beneficiary designation form, the charity will receive the gift upon your death. Your estate is then entitled to income and estate tax deductions.

Charitable trusts

You can name a charity as the sole beneficiary or name other, non-charity beneficiaries as well (making a partial charitable gift). The most common types of trusts used to make partial gifts are charitable lead trusts and charitable remainder trusts.

Private family foundation

You create a foundation and transfer assets into it. The foundation then makes grants to public charities. You and your descendants have complete control over which charities receive grants. (Unless you contribute enough capital to generate funds for grants, the costs and complexities may outweigh its benefits.)

Community foundation

A community foundation accepts donations from many sources and is overseen by individuals familiar with the community's needs and professionals experienced at running charitable organizations.

Donor-advised funds

A fund held within a charitable organization. Once you transfer assets to the account, the organization becomes legal owner of the assets and has ultimate control. You may advise, but not direct, how your contributions will be distributed.