Individually serving a
wide range of clients

Our clients represent a diverse group that includes executives and engineers, physicians and consultants, business owners and entrepreneurs, widows and divorcees, retirees and those nearing retirement. We also serve retired advisors who know and appreciate what we do and recognize the value we bring.

While our clients are quite diversified, they also have many things in common. We find them to be down-to-earth people who are careful with money, live within their means and are devoted to their careers and families. They also share common concerns such as having enough for retirement, worrying about health expenses and long-term care, and outliving their money.

Our clients find comfort in knowing we are fully committed to addressing every need and concern, and making responsible financial decisions on their behalf.

As you approach retirement, there are many issues to consider. Do you know how much income you need your assets to generate once you retire? Have you identified the sources of your retirement income? Have you distinguished your true needs versus merely wants and wishes? If you own a business, do you have a formal exit strategy?

We can help address all these issues and determine how much you will need to withdraw from your retirement portfolio to live comfortably in retirement. There is no “right” date for retirement. You must evaluate your unique circumstances and base the decision accordingly. We can help you make the assessments you need.

Once you finally retire, the need for a financial plan doesn’t just end. Our dynamic planning process assures we are monitoring progress toward your goals as part of our ongoing portfolio reviews. With people living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing.

We can help you with preserving your wealth, creating sustainable income throughout retirement and maintaining your standard of living. There are many things we do. One is to create a personalized plan designed to preserve your wealth and mitigate the impact of market risk, taxes and inflation. This includes having a sustainable withdrawal strategy to strike a careful balance between your need for monthly income and your desire to make your money last your lifetime.

We will help you manage your required minimum distributions and determine the most tax-efficient ways to draw income from your taxable and tax-deferred investments. We’ll also make sure to review important matters such as Social Security and Medicare. Plus, we’ll collaborate with your legal, tax and insurance professionals on important matters such as having a plan for your estate, and having the protection provided by life insurance and long-term care insurance.

You’ve worked hard all your life to arrive at this significant stage of your life. Our goal is to help you enjoy your well-deserved retirement.

LEARN MORE

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.

As a small business owner, you know all about hard work and commitment. You’ve overcome challenges and achieved milestones along the way. It’s only natural you want someone with that same understanding when it comes to getting the financial advice and solutions necessary to take your business to the next level. That’s where we can help. As independent financial advisors and entrepreneurs ourselves, we understand the challenges business owners often face and have helped many new, growing and mature businesses succeed.

Most important, we recognize your business is unique. Working with you as a partner in your success, we’ll take the time to understand your goals and help you address a wide variety of needs, including asset protection, cash management, employee retention, insurance, financing, retirement and succession planning.

Best of all, you’ll enjoy the confidence of knowing you have a single, trusted source for financial advice – and more time to devote to growing your business.

One certainty in life is that change is inevitable. We specialize in helping people in transition, whether it’s due to an inheritance, marriage, divorce or the death of a spouse. Each presents different issues, complexities and challenges that must be addressed. We understand the uncertainty these events can trigger and, most important, will be here to help you move forward.

Marriage
Two people coming together also means the merger of two separate financial situations and unique attitudes toward investing. Important issues to address include financial goals, household budgets, managing debt and establishing an estate plan. We are experienced in addressing all the vital financial issues that can accompany a marriage.

Divorce
Whether you are newly divorced or presently going through a divorce, we can guide you through the financial details of dividing assets and managing taxes – giving you an opportunity to move forward with your life. During your marriage, you have accumulated assets as well as liabilities. What might first appear as an equal distribution of an asset may not be after considering the original cost basis and tax consequences of liquidating or transferring the asset. We can collaborate with your divorce attorney.

Death of a spouse
In addition to the emotional turmoil, losing a spouse has major financial implications regarding issues such as life insurance proceeds, Social Security and the retitling of financial accounts. You may be managing your financial affairs on your own for the first time and concerned about having sufficient income to maintain your lifestyle. We are here to help you address these issues.

Inheritance
Those who inherit money must resist the urge for instant gratification, spending without regard for the future. We can serve as your voice of reason and help you create a financial plan that addresses both your short- and long-term goals. We would also advise you to meet with your legal advisor to update your will and estate plan, and meet with your tax advisor to address the impact of receiving a large sum of money.

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.

As a professional, you well know that planning is the key to running a successful company or practice. The same can be said for your financial future. However, between the demands of work and the complexities of your personal financial matters, planning for your own future can be challenging.

We serve professionals who recognize the prudence in having a well-designed financial plan for addressing short-term needs for today, such as saving for their children’s college educations, and for tomorrow, such as retirement.

We understand the many important financial matters professionals must address, including protecting assets from liability risk, tax planning, managing cash flow, managing education debt, valuating a firm or practice for purchase or sale and, ultimately, enjoying financial independence.

We also help corporate executives with many transactions, including stock option planning, cashless stock option exercises, rule 144 executions, 10b5-1 sales plans and hedging and monetization for concentrated equity positions. In addition, we can assist with corporate solutions such as share repurchase programs, corporate cash management, executive benefit platforms and retirement programs.

You can rely on us to provide high-level expertise and guidance for your personal financial matters and the needs of your firm or practice. We can serve as your trusted partner to help manage your investments, and mitigate your tax burden, while also addressing key issues such as estate planning, generational wealth transfer and charitable giving.