Our team offers an extensive 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 need you encounter. It’s this commitment to a comprehensive, holistic approach that allows us to provide the highest level of service and convenience for addressing the busy, multifaceted life you lead.

Asset allocation is a long-term strategy designed to help investors achieve their 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. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. Alternative investments are available only to those who meet specific suitability requirements. There are special risks involved with alternative investments, including investment strategies, and different regulatory and reporting requirements.

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.

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 team’s comprehensive financial planning services include:

  • Retirement feasibility analysis
  • Severance package assessment/evaluation
  • Net-worth analysis
  • Cash flow planning
  • Strategic asset allocation
  • Retirement planning
    • Traditional IRAs
    • Roth IRAs
    • Qualified retirement plans
    • Company retirement plan rollovers
  • Strategic funding of higher education
    • Education savings accounts
    • 529 college savings plans
    • Custodial accounts
  • Trust and estate planning
  • Insurance and annuities
  • Liquidity and cash flow strategies
  • Tax planning and liability management

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing. We can help you with every phase of planning for your retirement. During your working years, the accumulation phase, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, the pre-retirement phase, we’ll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. Then once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.

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.

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 designed to lessen or shift current and future tax liabilities, we can improve your prospects for meeting your financial objectives. Tax planning can also play a large role in the amount of wealth you will be able to someday transfer to your heirs. Please know 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 are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

With your knowledge and consent, we collaborate with your other professional advisors such as your CPA or attorney to help ensure that all your financial matters are addressed in a cohesive and well-coordinated manner. For example, we can work with your CPA to develop and implement strategies designed to lessen or shift current and future tax liabilities. We can also work with your attorney to develop an estate plan designed to enable you to maintain your lifestyle today while building a legacy for the future.

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. 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 large amount of capital involved and the long-term nature of the investments being considered. The higher the risk associated with a proposed project, the greater the return that must be earned to compensate for that risk. We use several methods for the analysis of risk including Goal Planning & Monitoring and statistical software programs.