A depth and breadth of services to meet all your financial needs

We offer a range of services that goes beyond what you might expect from the typical financial planner. Fact is, you can count on us for almost any financial-related event and eventuality you encounter.

So while your journey in life may take you many places, you don’t have to go anywhere else to find all the financial solutions you need – we’ve assembled them all right here. Consider it our version of a Texas roundup.

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

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Together, we can take financial planning to new levels, with tools to help you plan and pursue your short- and long-term goals.

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Our holistic approach to your financial independence means we go beyond just financial planning to managing all aspects of your financial life, including protecting you from risk through the use of life insurance, disability insurance and long-term care.

Lack of a well-designed estate plan can needlessly affect your family wealth due to excessive taxes. We are well versed in creating and implementing financial strategies to help maximize your wealth transfer and minimize the tax burden from one generation to the next.

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.

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.
  • Roll over the assets to your new employer's plan, if one is available and it is permitted.
  • Roll over to an IRA.
  • Cash out the account.

*Both employer plans and IRAs typically involve investment-related expenses and plan or account fees. Investment-related expenses may include sales loads, commissions, the expenses of any mutual funds in which assets are invested and investment advisory fees. Plan fees typically include plan administrative fees (e.g., recordkeeping, compliance, trustee fees) and fees for services such as access to a customer service representative. In some cases, employers pay for some or all of the plan's administrative expenses. An IRA's account fees may include, for example, administrative, account setup and custodial fees.

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 design an investment portfolio aligned with your objectives.

Insurance can help protect you from the unexpected and plays a vital role in your comprehensive financial plan. We can provide a wide range of quality insurance alternatives, including life insurance and long-term care, that can offer security for you, your family and your business.

Tax planning throughout the year can assist you in reducing the taxes you pay – as well as help you achieve your financial goals. It should not be done in isolation, but instead should be driven by your overall financial goals and integrated with your total financial plan.

By developing and implementing appropriate strategies to lessen or shift current and future tax liabilities, you can improve your prospects of meeting long- and short-term objectives. For example, accurately projecting your income taxes can help you determine the cash flow available to you in the coming year.

Keep in mind that tax laws are often complex and frequently change. We can work in conjunction with your tax advisor.

We can help you develop, implement and monitor a retirement or benefit plan that suits the needs of your business, as well as those of your employees. In addition, we can help you find appropriate insurance coverage for your company. For business owners seeking the most appropriate exit strategies, we can help you value your business, assess the tax implications and position your company for sale.

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 long-term objectives, continuously monitoring any changes in your personal life that may warrant an adjustment in tactics or strategy.

Philanthropy can bring personal satisfaction, enabling you to support the 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 outright gifts, trust bequests, charitable trusts, private family foundations, community foundations and donor-advised funds.

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.

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