Financial planning

We believe financial planning is a vital process in helping you achieve goals. This is a multistep process of identifying goals, gathering and reviewing financial data, and designing and implementing a plan to help you reach your goals.

In effect, we develop a blueprint designed to show you how you can meet your goals while staying within your means – a lifelong process. Once the plan is in place, it needs to be monitored, reviewed and updated on a regular basis to meet dynamic circumstances. We believe clients are relieved once their financial plan is in place to help make progress toward their goals.

Retirement planning

When it comes to planning for and living in retirement, patience and discipline are much more than virtues – they’re necessities. While many people seem to think in terms of that single date, we’re quick to point out that the most important part of retirement is all the days that come after day one – because today’s retirements are more active, more complex and longer than ever before.

We help our clients plan for all the goals and stages of a full, long-term retirement. We help them understand how important it is that income not simply last, but grow. We help them quiet the media “noise.” And we help them temper the emotions – from irrational exuberance to an overabundance of caution – that can hinder even the best financial plans. 

Here, we approach retirement planning with patience, discipline and reason. We filter out the things we can’t know, carefully analyze the things we can and help you develop a unique financial plan for your retirement – from day one on.

Learn more

Insurance planning

Insurance can help protect you from the unexpected, offer safety for you, your family and business and play a vital role in your comprehensive financial plan. Is your insurance appropriate and adequate for your current and future needs? We can review your assets, needs and objectives to determine how much coverage you need, then evaluate your current policies, as well as other products that cover life, disability and long-term care insurance. Lastly, we can help you secure the most favorable underwriting with any one of more than 25 top-rated insurance companies.

Tax planning

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants and tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies designed to lessen or shift current and future tax liabilities, we can improve your prospects for meeting your financial objectives.

In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs. It’s important to note that tax laws are often complex and frequently change.



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

Legacy and 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 ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.

A poorly developed estate plan can cost a family millions of dollars in unnecessary taxes. We can offer financial strategies to help manage the transfer of wealth, and its related tax issues, from one generation to the next.

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.

Investment management

We can customize an appropriate mix of mutual funds, stocks, bonds and other investments based on your needs, goals, time line and risk tolerance. Whether you’re accumulating wealth or looking for income in retirement, we can help.

Social Security planning

According to the Social Security Administration, 74% of people collecting Social Security benefits today are collecting reduced benefits because they started collecting before reaching full retirement age. With the average life expectancy continuing to increase, this could be a very costly mistake. Understanding the rules and having a plan in place to potentially maximize your benefits is essential.  We have the expertise to guide your choices.

Education 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.

Charitable giving

Through the resources offered by Raymond James, we can help you create a charitable giving plan that not only helps the organizations you’re passionate about, but also has the potential to generate personal tax benefits and further your overall wealth management plan.