A complete range of services to address all of life’s priorities

Your financial needs change over time, from accumulating wealth to planning for retirement to making your money last as long as possible through retirement.

One constant, however, is our ability to help you pursue your goals throughout your whole life.

Through the full spectrum of financial services we offer, we can help you plan not only for a wide range of needs, but for the long succession of significant events that span your lifetime.

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 be able to 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.

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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 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.

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
Portfolio management

It’s no secret that managing your wealth is a time-consuming task. That’s why you set the direction and goals, while our experienced team works together to create and manage your portfolio – based on your objectives, risk appetite and time considerations. Ongoing communication and transparency helps to ensure the strategy and portfolio remain consistent with your goals and preferences.

As we manage your portfolio, we strive to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We know that a proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.

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 does not guarantee a profit nor protect against loss.

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.

Wealth management

Our team is well versed in helping you manage the complexities that wealth can often bring. Our disciplined, collaborative approach is customized to your needs and preferences, and designed to bring cohesiveness to your financial life. It often involves collaboration with other professionals such as your CPA and attorney. Our wealth management services include:

  • Wealth preservation and transfer strategies
  • Risk management
  • Liquidity management
  • Charitable giving
  • Management of concentrated asset positions
Banking services

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 guide your decisions regarding financing needs with security-backed lines of credit.

Before you make a large purchase, let’s talk about your financing options and how they can be a beneficial part of your overall long-term financial plan. Let us consult with you to help find well-suited solutions for:

  • Renovating a home
  • Paying for tuition
  • Short-term bridge financing
  • Planning a vacation of a lifetime
  • Purchasing luxury items
  • Taking advantage of a real estate opportunity
  • Supporting a business
  • Launching new business ventures
  • Acting on an investment opportunity
  • Consolidating debt
  • Paying taxes1

Securities Based Line of Credit (SBLC)2, 3 – Put the value of your investment accounts to work by increasing your borrowing power and accessing cash without disrupting your long-term financial strategy. Collateralized by one or more Raymond James accounts, this flexible line of credit lets you borrow money for a variety of purposes (except the purchase of securities). With highly competitive pricing, interest rates range from the LIBOR rate plus 2.25% to 6.00% depending on the market value of pledged assets. From finished application to funding, your request will take approximately three to five days to complete.

1 Raymond James does not offer tax advice. Please consult your tax advisor for questions regarding your tax situation.

2 A Securities Based Line of Credit may not be suitable for all clients. The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. 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 interest rates charged for a Securities Based Line of Credit are determined by the market value of pledged assets and the net value of the client’s Capital Access account.

3 Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.