OUR SERVICES

Every individual we serve has one thing in common—they’re each a little different. At Guide Point Financial Partners, we work to understand what makes you unique. Only through understanding can we serve you according to our wide-ranging knowledge and capabilities.

The services we’ve assembled are specifically designed to help meet your needs—today, tomorrow, and into the future.

EARLY- TO MID-CAREER PLANNING

You have family, a job, a hobby, and, most likely, little time to think about your financial future. But that’s okay. We’re here to make financial planning simple and manageable. When you have an hour to spare, let’s talk. That’s all it will take to start developing a plan together—a plan designed to help you enjoy life now while putting enough away for a comfortable future.

Related stories: Norman, Pat, Ben, and June

We can help with:

  • Investment guidance
  • Retirement planning
  • Insurance reviews
  • Flexible financial spending and saving plan design
  • Employer retirement plan investment guidance
  • College planning/529 plans
  • Deferred compensation issues
GROWING YOUR BUSINESS

If you’re like any other business owner, you spend a lot of time working to grow and manage your business. And sometimes, it can feel like managing your personal finances is another job in itself. That’s a job we’re willing to take off your hands. With a financial plan in place, we’ll help make sure it’s working for you. We can also help structure a corporate retirement plan for the benefit of your employees.

Related stories: Pat, Francesca, Edward, and David

We can help with:

  • Investment guidance
  • Asset consolidation and management
  • Disability and life insurance planning
  • Employee compensation plans (401(k) plans, SIMPLE plans, profit sharing, etc.)
  • Retirement planning
  • Succession planning
  • Deferred compensation
NEARING RETIREMENT

You’re nearing the end of a long career. What will come next? How will you transition to retirement? What financial resources will you need to be comfortable and confident for what’s ahead? Asking these questions is important. We’re here to help provide the answers.

Related stories: William & Alexandra, Al & Kate, Andy & Christina, and June

We can help with:

  • Asset consolidation and management
  • Investment guidance
  • Employer retirement plan investment guidance
  • Retirement planning
  • Risk evaluation
  • Supplemental income support
  • Social Security planning
  • Long-term care insurance
TRANSITIONING INTO RETIREMENT

As they say, “You’ve made it!” And your best years are still in front of you. That’s why having the right plan in place is so important—a plan that is designed to help you achieve some of your retirement goals, while also providing you with sufficient, lasting income. 

Related stories: Al & Kate, William & Alexandra, Tim & Angela, David, and Mark & Kelly

We can help with:

  • Investment guidance
  • Risk evaluation and management
  • Retirement income generation
  • Maximum Social Security benefits
  • Estate planning
  • Insurance reviews
LIVING IN RETIREMENT

You’ve been retired for a few years now. But your income needs are changing. It’s time to revisit and revise your original plan. We’ll look at how the market has changed, how your life has changed, and make recommendations, if needed, to help you maintain the most comfortable lifestyle today and into the future.

Related stories: Mark & Kelly, Al & Kate, and Jim & Judy

We can help with:

  • Investment guidance
  • Re-evaluation of income distribution strategies
  • Retirement income protection
  • Insurance reviews including long-term care
LATER IN RETIREMENT

As the retirement years progress, you’ll need to start thinking about how healthcare challenges (particularly assisted living or nursing home costs) could threaten your long-term security. It’s also important at this time to decide what kind of legacy you want to leave to your children, grandchildren, and most cherished causes. 

Related stories: Jim & Judy, and Tim & Angela

We can help with:

  • Investment guidance
  • Re-evaluation of income distribution strategies
  • Retirement income protection
  • Estate planning to address inheritance tax concerns
  • Trust establishment
  • College savings plans (for grandchildren and great-grandchildren)
  • Charitable donations

 

Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

NAVIGATING LIFE'S CHANGES

Life changes. And not always according to plan. Maybe you’re getting a divorce. Maybe you’ve lost your job. Maybe a sudden illness of yours or a loved one (or the death of a spouse) is causing concern about your financial future. Whatever your circumstance, we’re here to listen with patience and empathy. Then, we’ll help to sort out the financial adjustments.

Related stories: Ben, June, David, Mark & Kelly, and Edward

We can help with:

  • Income replacement planning
  • Investment guidance 
  • Retirement planning
  • Early retirement plan distribution strategies
  • Social Security disability considerations
  • Trust planning
  • Income generation strategies


Click here to see a brief overview of our Goal Planning and Monitoring Tool.

June’s story

Recently divorced, June had a lot of questions. In regard to her financial plans, she needed someone to listen and understand—and we did. We conducted a portfolio evaluation and considered how June’s life would be different than before. We then communicated a few different options and helped June understand the benefits of each. When we decided on a plan, we took care of all the details. In the months leading up to our meeting, June was filled with concern. But after, we believe that her concern was replaced with confidence.

PERSONAL

Financial guidance for retirement planning and living

BUSINESS

Financial guidance tailored for business owners

Andrew and Christina’s story

With a successful trucking business to their name, Andrew and his wife, Christina, did not have many financial worries. At the same time, the business took much of Andrew’s attention away from his financial planning. He’d often work 60 hours per week, and knew he needed a financial partner that could accommodate his busy schedule. When Andrew and Christina came to us, we discussed retirement and succession planning, as well as employee compensation plans. Now, they have a plan. And the attention is where it belongs—on their business and family.

Norman’s story

Norman knew it was important to invest for the future, but he always remembered his grandfather telling him not to “put all his eggs in one basket.” We told him that by allocating his assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent return over the long term. Based on Norman’s goals and risk tolerance, along with the economic environment and other factors, we created a portfolio that allocated his assets to a variety of sectors and investments.

Asset allocation does not ensure a profit nor protect against loss. Sector investments are speculative in nature, subject to fierce competition and involve more risk than investing in well-established companies. Also investing in an individual sector involves limited diversification, and may not be appropriate for every investor.

Pat’s story

Pat was well-versed in the skill of art direction. Unfortunately, his creative mind wasn’t as financially savvy. He knew, however, with a freelance business to his name, he needed to partner with a team that was. After a recommendation from one of his trusted clients, Pat approached us. He told us his story, his current situation, and his hopes for the future. He explained how he had some money set aside for retirement, but wasn’t sure if he should be putting aside more. We helped Pat through his questions and made our recommendations—striving to simplify the process the whole way through. Going in, Pat was concerned that the world of financial planning would be over his head. But just a few minutes into our conversation, we believe he realized that, with the right partner, it could be right on his level.

Ben’s story

Ben was anxious. He had no contingency plan in place for the event of a disability. And he also had a family to think about. Ben’s friend recommend that he contact us, and we were happy to help. We learned about Ben, which helped us learn exactly what he needed. Then, working with the disability insurance resources of Raymond James, we compared proposals from multiple carriers to get Ben the coverage he needed.

Francesca’s story

As both a restaurant owner and entrepreneur, Francesca had a lot of financial confidence. She was willing to take more risk than the average investor in order to pursue above-average returns. We sat down with Francesca and learned more about her background, passion for food, and what drove her business mind. Then, we designed a financial strategy that included additional asset classes, geared to accommodate her ambitious goals. Periodically, we’ll meet with Francesca and update her on financial progress. And we always look forward to hearing how the restaurant is doing.

David’s story

David worried that the death or disability of his business partner could negatively impact his business. Naturally, he wanted to protect against such a risk. Reviewing his objectives, we funded buy-sell agreements with the appropriate life insurance and disability buy-out policies. Now in case of the unexpected, David knows what to expect. We believe it helps David feel more confident about the future.

Edward’s story

Edward was the proud owner of a business that was doing very well. He thought it was an opportune time to open a second location, but he didn’t want to liquidate his current investments or interrupt his long-term financial plan. So we worked with Raymond James Bank to set up a Securities Based Line of Credit, providing a low-cost source of capital and new inspiration for his big plans.

A Securities Based Line of Credit may not be suitable for all clients. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and Capital Access.
The experiences listed here may not be representative of the experience of all clients and may not be indicative of future performance or success. Investing involves risk and investors may incur a profit or a loss. Past performance is not indicative of future results.

William and Alexandra’s story

With hopes of retiring, William and Alexandra first wanted to be sure that they had a steady stream of income to support their lifestyle and desired comfort level. They also wanted to take a two-month-long trip to Europe, but weren’t sure if they could afford it. After learning about their needs during a face-to-face meeting, we helped William and Alexandra with investment guidance and estate planning. Today, they aren’t quite at retirement yet, but when the time comes, they’ll already have a plan in place. Then, it’s off to France.

Albert and Kate’s story

Worried about making ends meet if one of them passed away, Albert and Kate decided to defer taking Social Security until the age of 70 when their monthly payout would be the maximum. Still, they wondered if that would be enough. They approached us and we helped them find an affordable life insurance policy designed to provide additional retirement income for the surviving spouse.

Tim and Angela’s story

With a successful art studio to their name, Tim and Angela enjoyed their time at work and their time together. But their estate was in question. That’s why they came to us. We talked through the services available – and talked through their tax planning needs. Today, Tim and Angela understand that it’s never too early to have a plan. And, since we strive to simplify the process, we are confident they understand the details of theirs.

Mark and Kelly’s story

Wanting to protect their investments from the risk of a health event, such as a lengthy stay in a nursing home, Mark and Kelly came to us with many questions. And we were happy to answer them. Together, we compared different long-term care policies against self-funding the cost of care. Ultimately, they decided getting coverage was the best route to take. We meet with Mark and Kelly frequently. And we’re happy that they’re still in good health. We’re also comforted knowing that if their health does take a turn, they’ll have a plan in place.

Jim and Judy’s story

Jim and Judy were concerned about whether any of their adult children could or should serve as successor trustees or representatives of their estate when the time comes. We worked with Raymond James Trust, which helped them appoint an independent trustee to act on their behalf. They are now content that their family will be taken care of and that their wishes will be carried without the burden or responsibility falling on their children.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Guidepoint Financial Partners is not a registered broker/dealer and is independent of Raymond James Financial Services.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability.

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