Financial Perspectives

Investment education should come before any plan to invest. It’s that important. Each quarter, clients of Raymond James & Associates and Raymond James Financial Services receive our educational newsletter Financial Perspectives. The articles are designed to keep clients aware of services, investment alternatives and other significant developments. Selected articles from the current issue of Financial Perspectives are included here for your information, along with some articles from past editions that remain timely and pertinent to today’s investment environment.

Summer 2013

• Teaching children financial responsibility
  Parents are the key to teaching their children to be financially responsible – both by discussion and by example.
• Positioning for income in 2013
  Contact your advisor to discuss how rising interest rates and other risks could impact your financial plan.
• Investor Access: When you’re on the go this summer
  The free Investor Access app offers easy, secure access so that you can tap into your financial information from just about anywhere, anytime – even on vacation.
• From the planner’s desk: Planning for marriage
  Because new couples often have competing priorities, it’s important to establish shared short and long-term goals.

Spring 2013

• Growing to better serve you
  A message from Raymond James CEO Paul Reilly.
• Making retirement last
  By sticking to a thoughtful budget and withdrawing from your savings in a deliberate way, you can increase your chances of making your retirement last.
• Get your required minimum distributions automatically
  If you are receiving required minimum distributions (RMD) from your IRAs, consider signing up for Auto RMD, an automated service that calculates, tracks and delivers your RMDs on your terms.
• Have more to spend later – save more now
  Retirement plan contribution limits have gone up for 2013. See how much you can sock away in your 401(k) and IRA.
• From the planner’s desk: 529 college savings plans
  If you are planning to fund your child’s or grandchild’s higher education, a 529 college savings plan is a great, tax-deferred way to do it.

Winter 2012-2013

• Live today – plan for tomorrow
  Achieving your long-term financial goals involves more than just saving for the future – it also means having a plan that allows you to enjoy life today.
• Easy, convenient, smart
  Recent enhancements to our service to you – including a new Investor Access mobile app for iPhone and Android-based smartphones – bring convenience and flexibility to managing your finances.
• Cost basis changes for tax season
  Raymond James – along with all broker/dealers, banks, custodians and transfer agents – is required to record and report detailed information on certain securities sales to the IRS.
• From the planner’s desk: Simplify your finances through consolidation, direct deposit
  Consolidating your various banking, retirement and investment accounts, and using convenient features like direct deposit for your pay and Social Security checks, can save you time, effort and money.

Fall 2012

• Introducing Online Funds Transfer
  The new Fund Transfer feature provides a fast and secure way to transfer money online between an eligible Raymond James account and an account at another financial institution.
• Planning Season
  It’s difficult to predict what will become of today’s favorable tax rates. However, we do know what is scheduled to happen and with that in mind, it may be prudent to meet with your advisor.
• Medicare as Part of Your Retirement Plan
  This year’s Medicare open enrollment period runs from October 15 to December 7. This provides the opportunity for those enrolled in Medicare to make changes to their Medicare Advantage (Part C) and Medicare prescription drug coverage (Part D).
• IRS Delays Costs Basis 2013 Regulations
  To comply with the cost basis legislation released as part of the 2008 economic stabilization act, Raymond James along with all financial institutions currently reports the cost basis for equities acquired on or after January 1, 2011, and mutual funds acquired on or after January 1, 2012, to the IRS.
• From the planner’s desk: Year-End Scenario Planning
  Now is the time to strategize ways to position your portfolio based on what action Congress may or may not take at year-end or in early 2013.

For additional information about topics on this page, please contact your financial advisor today or use the convenient Office Locator to find our office(s) nearest you.

Raymond James & Associates, Raymond James Financial Services and Eagle Asset Management are wholly owned subsidiaries of Raymond James Financial, Inc. (NYSE-RJF).

The information contained in this newsletter has been obtained from sources considered reliable, but we do not guarantee that the foregoing material is accurate or complete. We may, from time to time, have a position in the securities mentioned and may buy or sell such securities in the course of regular business.

Before making an investment decision, always consult with your financial advisor. Articles in this publication are presented to help broaden your perspective on investment opportunities and the investment process. Whether a particular subject is applicable to your situation or not should be determined by you and your financial advisor based on your financial objectives, time horizon, risk tolerance and current portfolio structure. For additional information about topics in this edition of Investment Briefings, please contact your financial advisor today. Thank you.

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