INDIVDUALS

We offer a wide range of services to cover every aspect of your financial needs during every stage of your life. You can count on us for financial-related events and eventualities you encounter.

Asset allocation
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.

Asset management
The advantages to personal asset management are that the manager understands the objectives of the investor and focuses all of his or her working day on the selection of investments for and the subsequent monitoring of client portfolios.

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. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

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 planning
Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement planning and disciplined investing. Once in retirement, 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 be able to leave behind the legacy you had envisioned. We can help you prepare for this most significant milestone in life.

College planning
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.

Cash management
We offer cash management solutions to suit your needs. Through Raymond James, we offer ways to access your cash and earn interest on funds awaiting investment. Our cash management services include:

• Lending services*
     - Traditional fixed- and adjustable-rate mortgages
     - Interest-only mortgages
     - Construction loans
• Tax planning (utilizing lines of credit and home equity)*
• Cash “sweep” to brokerage account
• Rewards program
• Online account access
• Check writing
• Overdraft protection
• Automatic payment/fund transfer
• Visa® debit card

*Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance may be required. Call Raymond James Bank for rates and other information.

Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A., member FDIC. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.

Equal Housing Lender

Credit and Lending
Choosing the right lending program is as integral a part of the financial planning equation as investing. Through the services of Raymond James Bank, we can help you meet your financing needs.

Lending services*
     - Traditional fixed- and adjustable-rate mortgages
     - Interest-only mortgages
     - Construction loans
     - Securities lending

 

 

Spencer J. Lynch, Managing Director
Scott A. Cracraft, Managing Director
360 Concord Street || Suite 210 || Charleston, SC 29401
T: 843.720.3500 || TF: 866.384.9891 || F: 843.720.3535
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