Investment Management

Selecting the right investments to include in your portfolio is essential to the success of your overall financial plan. Our team takes a look at your complete financial picture – including your short-, intermediate- and long-term goals, family dynamics and attitudes toward investing – in order to design a customized asset allocation strategy that fits your needs.

Managing your investments is not a one-time transaction, but an ongoing process that requires careful monitoring of your portfolio's overall performance. When economic or market forces drive certain components out of balance, we rebalance your portfolio to ensure your allocation remains aligned with your original objectives and as specified in your personal Investment Policy Statement. How do we manage risk?

Retirement Planning

Whether you're looking forward to retirement or have already begun to enjoy its pleasures, proper planning is essential to achieving the lifestyle you've always envisioned. Professional guidance is needed to help determine how much you should save, as well as how long you'll need to make those savings last.

Taking into account your goals and time horizon, we'll arrange your retirement investments to help provide a reliable stream of income when you need it, for as long as you need it. With a customized plan designed to help you manage your nest egg, you can spend less time worrying about your retirement security and more time enjoying its many rewards.

401(k) / IRA Rollover Analysis

Retirement Solution

College Planning

With so many college savings alternatives available today, it is important to choose the one that's most appropriate for you and your family. Selecting the wrong plan – or not investing appropriately within the right one – can prevent you from maximizing your savings. However, with our experienced guidance, you can implement a savings strategy that's uniquely suited to your objectives.

Our education planning services go beyond just saving for college. We can help you address the financial challenges of sending your children to private elementary, secondary or high school. We'll work closely with you to develop a plan that allows you to take maximum advantage of applicable tax incentives, as well as utilize a contribution strategy most appropriate for you. From traditional qualified plans to alternative funding methods, we'll explain your options to help ensure you arrive at the optimal solution.

Estate Planning

In many ways, estate planning is essentially life planning. It ensures the assets you have worked hard to attain will one day provide for your heirs after you're gone. Equipped with a thorough understanding of your values and family dynamics, our team works with Raymond James' Financial and Retirement Planning Department, as well as appropriate legal and tax professionals, to create a plan that will facilitate the smooth, tax-efficient transfer of assets to your beneficiaries.

By addressing the 14 key wealth management issues during this process, we help ensure your entire range of needs is met and your ultimate wishes are preserved. Helping you to communicate your expectations clearly will enable you to create a lasting legacy while minimizing future stress and confusion.

Stock Options

More than allowing you to gain substantial wealth for your retirement, properly managing your stock options may allow you to diversify your portfolio to guard against investment risk and invest in your place of employment. Whether you have nonqualified or incentive stock options, we're here to help address your specific needs.

Together we'll review your stock options and determine how to properly time the exercise to comply with SEC Rule 144. Through Raymond James' cashless stock option program, we can also facilitate the temporary financing of your share purchase.

Business Succession

Many business owners wait until they're ready to retire to begin thinking about how to transfer their business. Unfortunately, by that time it is often too late. A detailed, thorough succession plan is an essential component of any well-rounded business strategy – and it's never too early to get started.

We'll help you institute a plan to address the following questions:

• Is the business a significant part of your retirement plan?
• If the business is transferred, how will your heirs attain proper funding?
• Should the business have insurance to protect your family?
• What is the optimal corporate structure?
• How can the business be sold to employees through the firm's ESOP?
• How can estate equalization be achieved when one or more family members are not involved in the business?
• What is the most tax-efficient transfer strategy?

Once we have addressed these issues, we'll work with the appropriate tax and legal advisors, as well as professionals in Raymond James' Financial and Retirement Planning Department and Raymond James Trust Companies, to develop a succession plan that's right for your business. You'll be able to rest assured that your ultimate wishes will be preserved.

Retirement Plan Design

Attracting and retaining quality employees is key to the success of your business. In today's environment, that means helping them save toward retirement. With our professional assistance, you can institute a quality retirement plan that suits the needs of your company and its workers.

Our group will conduct a thorough search of outside plan providers, design an investment policy statement and help implement your customized retirement plan. Once the plan is in place, we'll continue to manage all the necessary details – including conducting annual 404c education seminars – to help reduce your management team's fiduciary responsibility. Our monthly newsletter will also keep you apprised of any new industry legislation and other pertinent news.

Retirement Plan Profile Worksheet

Tax Planning

Taxes are an important part of financial planning. Use this guide to help prepare for tax season any time of the year.

Tax and Financial Planning Tables