Services to address all of 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 through 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.

Asset management

Raymond James offers full-service asset management for clients who prefer to utilize the skills and expertise of professional money managers. A comprehensive process helps match your unique goals and risk tolerance with an asset allocation model that’s right for you – from capital protection to asset growth designed to meet your long-term goals.

 

Asset allocation and diversification do not ensure a profit or protect against a loss.

Bonds

Bonds can play an important role in a well-diversified portfolio. They can provide predictable income and, most important, relative safety of principal.* Also, bonds may help minimize overall volatility.

Bonds can benefit an investor’s portfolio in a variety of ways. For retirees, bonds may provide a predictable income stream and relative safety of capital. For other investors, bonds can help meet future wants or needs, such as vacations, college funding or the purchase of a house.

 

* If held to maturity, subject to issuer credit risk. If sold prior to maturity, you will receive the then-current market value, which may be more or less than your initial investment.

Mutual funds

Your Purchasing Power ... Multiplied

Whether you are a new investor or an experienced one, investing in mutual funds may be an easy way to diversify your holdings. A growing segment of the investment market, mutual funds are professionally managed portfolios whose shares are sold to the public in much the same way that stocks are.

Think of a mutual fund as a way for a giant group of people to pool their money together to have more purchasing power. If you were to invest $100 a month into the stock market, you wouldn’t be able to buy many shares. But if thousands of people invest $100 each month, as a group they can buy substantial shares.

Because fund managers can afford to purchase more shares, they are able to better diversify fund holdings. This, in turn, generally provides you with an instantly diversified portfolio.

READ MORE

 

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
    • Company retirement plan rollovers
  • Education planning
    • 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
Retirement income planning

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 leave behind the legacy you had envisioned.

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement income planning and disciplined investing. We can create a plan for sustainable monthly withdrawals from your investment portfolio designed to make your money last your lifetime.


There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation and diversification do not ensure a profit or protect against a loss. Past performance is not indicative of future results.

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 RJFS we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Estate planning

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.

A well-designed estate plan can effectively help mitigate your family’s tax burden. 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.

Stocks
Stock signifies ownership in a corporation. By purchasing stock, you are actually paying for a small percentage of everything the company owns. Many companies issue stock, also known as equity, to raise money for expansion, equipment upgrades or other initiatives. Generally, investors purchase stock to realize capital gains.
401(k) plan options

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

You should carefully consider all of your available options and the applicable fees and features of each before moving your retirement assets.