Point of View
Fresh ideas for pursuing a life well planned.
From personal to professional, from family to finance, your interests are anything but one-dimensional. Point of View brings together the latest information, ideas and insights to help you make the most of your life’s many meaningful pursuits.
Chief Investment Officer Jeff Saut and Chief Economist Scott Brown discuss different factors affecting the future of the economy.
April 12, 2017
Members of the Raymond James Investment Strategy Committee share their views on the markets, the economy and key themes that will...
April 3, 2017
Domestic equity indices marked their sixth consecutive quarter of gains, while investor focus both at home and abroad remains on...
April 3, 2017
Mike Gibbs, Managing Director of Equity Portfolio & Technical Strategy, discusses the recent influence of politics on investor...
March 30, 2017
April 19, 2017
Nick Goetze, Managing Director, Fixed Income Services discusses current influences on and opportunities within the bond market.
April 18, 2017
Family meetings can spark a renewed sense of harmony and understanding among your loved ones.
April 12, 2017
Chief Investment Officer Jeff Saut and Chief Economist Scott Brown discuss different factors affecting the future of the economy.
Avoid unnecessary headaches by keeping digital assets in mind when planning for your estate.
April 3, 2017
Domestic equity indices marked their sixth consecutive quarter of gains, while investor focus both at home and abroad remains on political...
Members of the Raymond James Investment Strategy Committee share their views on the markets, the economy and key themes that will impact...
March 31, 2017
Not only can giving the gift of education help others, but it can help reduce your tax impact and benefit your overall estate.
March 30, 2017
Mike Gibbs, Managing Director of Equity Portfolio & Technical Strategy, discusses the recent influence of politics on investor sentiment.
March 28, 2017
More people are discovering a relatively new industry that helps retirees downsize.
March 27, 2017
Get wise about maintaining your health – and wealth – in retirement.
Medicare provides a lot of coverage, but it doesn’t cover everything.
March 23, 2017
While interest in sustainable investing has grown in recent years, myths regarding the popular strategy abound.
March 22, 2017
Surprisingly, millennials and their grandparents share similar attitudes about money. Consider these ways to impart financial wisdom early and...
March 21, 2017
'Tis the season to spring clean your finances, review your progress thus far and address any outstanding to-do's.
March 17, 2017
The interest rates that shape the economy and your portfolio are increasing again.
March 16, 2017
Chief Economist Scott Brown comments on the Federal Open Market Committee’s newest rate rise and its implications for investors and the...
March 15, 2017
The Federal Open Market Committee did what many expected: raised the target federal funds rate to between 0.75% and 1%.
March 14, 2017
Moving out of the house, graduating from college or landing a full-time job doesn't always mean achieving permanent independence. These...
March 8, 2017
No one plans on getting sick or becoming disabled, but ironically, planning for these potential life-altering events is exactly what you...
This all-important retirement income source is tricky, especially around times of transition.
March 7, 2017
These celebrities' tales are a strong reminder to review your estate plan before it’s too late.
March 6, 2017
Dementia and Alzheimer’s can be physically and emotionally tolling for everyone involved. Review the resources below to learn more about how...
March 5, 2017
With thoughtful planning, you can help ensure the future care of a loved one with a disability.
March 1, 2017
Scott Brown Ph.D., Chief Economist, discusses recent economic data and expectations for interest rate increases.
February 28, 2017
Investors appear relatively optimistic about proposed infrastructure spending, strong earnings and positive economic data.
February 27, 2017
In the early stages, you and your loved one can work together to make decisions regarding long-term care and financial details.
Consider these strategies and insights for making the most out of the current tax season.
February 24, 2017
Mike Gibbs, Managing Director of Equity Portfolio & Technical Strategy, discusses the current market environment and potential pullbacks in...
The new administration has proposed reform that may potentially impact individual income taxes, transfer taxes, and business income taxes.
Chief Investment Strategist Jeff Saut comments on potential pullbacks and investor opportunities in the equity market.
February 23, 2017
Smart strategies can help high-income earners reduce their Medicare taxes and overall tax bill.
February 14, 2017
Having a solid savings plan is crucial to both your and your employees' well-being and long-term happiness.
When it comes to business taxes, are you aware of how your state measures up?
Many couples don't agree on when, where or how they're going to retire.
Any breach in security can be detrimental to your business’ success. So what can you do?
Prepare to take advantage of tax opportunities for business owners in 2017.
February 10, 2017
Find the right mix of insurance coverage to live with confidence.
February 7, 2017
Retirement isn't what it used to be – making it even more important to think about all of the years it could last, the ways your life will...
February 2, 2017
An optimistic outlook can enhance your health, your work and your daily life.
February 1, 2017
Whether you're in your 20s or your 50s, there are steps you can take to help ensure a comfortable, secure retirement.
January 31, 2017
Despite some natural second-guessing, financial market participants remain generally optimistic and are focused on the economy ahead.
January 26, 2017
Mike Gibbs, Managing Director of Equity Portfolio & Technical Strategy, discusses the recent equity rally and current market technicals.
January 25, 2017
Andrew Adams, Market Strategist, comments on the index's historic high and whether this milestone will have a long-term impact on markets.
January 24, 2017
Consider this calendar of best practices to help ensure your business is primed and ready to sell.
January 19, 2017
Chief Economist Scott Brown discusses characteristics of the current job market as well as potential Fed and policy decisions in the coming...
January 18, 2017
Beginners and billionaires alike should refresh their knowledge of these basic estate planning terms and concepts.
January 17, 2017
January 10, 2017
More and more meals are sprouting up in some unlikely places.
January 4, 2017
Healthy equity markets, rising interest rates and a strong dollar set the stage for potential policy changes and investment opportunities in...
December 29, 2016
Consider getting organized this winter season by decluttering and updating your financial plan.
December 28, 2016
Engaging a well-rounded team of professionals and loved ones is essential to making sure that your financial and estate planning bases...
December 22, 2016
Mike Gibbs, Managing Director of Equity Portfolio & Technical Strategy, discusses the recent price and valuation increases in the equity...
Make the most of your giving nature with this quick tax refresher.
December 15, 2016
Scott Brown, Chief Economist, discusses the rate rise and what it means for the economy moving forward.
Learn how the television industry is affected by consumers having dozens of convenient and inexpensive options to view their favorite shows...
December 14, 2016
Learn more about the Federal Open Market Committee's decision to increase the federal funds target rate.
December 12, 2016
These simple questions can help make sure your estate plan is ready to ring in 2017.
December 9, 2016
Start the new year right by reviewing and revamping your financial plan.
December 8, 2016
Pavel Molchanov, Senior Vice President and Energy Analyst, comments on the recent OPEC deal and the outlook for energy.
December 6, 2016
Review this roadmap to help you navigate through the Medicare enrollment process.
December 5, 2016
The goals are similar, but different generations give back in different ways.
Chris Bailey, European Strategist, discusses market reactions to the electoral defeat of Italy's Prime Minister Renzi.
November 30, 2016
Positive domestic equity returns, strong holiday sales, and high consumer confidence suggest the economy is on track for moderate growth next...
November 29, 2016
Relax and recharge on your next getaway by taking a break from technology.
November 23, 2016
Mike Gibbs, Managing Director of Equity Portfolio & Technical Strategy, comments on the recent equity rally and market conditions moving into...
November 22, 2016
Openly discussing important matters during the holiday season can bring your family closer.
November 21, 2016
Help your family maintain its financial strength from one generation to the next.
An act of generosity can benefit the benefactor, too.
November 15, 2016
Learn more about different estate planning vehicles and how they can help you take advantage of low and high interest rate environments.
Review the increases to Medicare premiums and deductibles taking effect next year.
November 11, 2016
Discover the reasons retailers start the holidays sooner and how those decisions impact store operations.
November 10, 2016
Revisiting the basics can build confidence in your financial plan in the face of volatility.
Overseeing a nonprofit is an honor that comes with potential liabilities.
With preparation, business owners can find strategies with the best fit.
Find a better balance with focus, the right team and rest.
Don’t overlook these eight common estate planning problems.
Chief Portfolio Strategist Nick Lacy comments on the results of the election and its possible effects on the markets.
November 9, 2016
Reaction to the presidential election in Europe from Chris Bailey, European Strategist, Raymond James Euro Equities.
From tax-loss harvesting to Roth conversions, these end of year moves can provide a boost to your plan.
It's natural to be nervous when the markets head toward volatile territory. Keep a positive perspective with these resources.
Nick Lacy, Chief Portfolio Strategist, weighs in on the presidential election results.
Chief Economist Scott Brown discusses what the election results could mean for taxes, federal expenditures, the national debt, and economic...
Chief Economist Scott Brown comments on the results of the election and the outlook for the economy.
November 3, 2016
Chris Bailey, European Strategist, discusses equity performance and currency valuation in the U.K. following the June 2016 Brexit vote.
November 2, 2016
As the sun sets on daylight saving time, don’t lose sleep over your financial future.
November 1, 2016
Learn how to protect your identity when shopping online.
October 31, 2016
Contributing as much as you can as early as possible allows those assets more time to grow and compound.
While the election has generated some uncertainty for investors, economic data suggests moderate growth over the next several months.
October 27, 2016
Having a solid understanding of your financial status is crucial to planning, budgeting and saving toward your goals.
October 26, 2016
Practice makes perfect when it comes to retirement.
Proposed U.S. Treasury rules could mean a bigger estate tax bite for your family-owned entity.
October 25, 2016
How to have a valuable family conversation about your estate.
October 24, 2016
Andy Zolper, Chief IT Security Officer, provides suggestions for how investors can improve their personal computer security.
October 20, 2016
Mike Gibbs, Managing Director of Equity Portfolio & Technical Strategy, discusses how current economic conditions may support a bullish bias...
October 18, 2016
There are a number of important tax and financial planning moves that can help prepare you for the upcoming tax season and better align your...
More than 65 million Americans will see the 0.3% increase in their payments beginning in January of 2017.
October 10, 2016
October 3, 2016
The U.S. economy is expected to grow moderately for the fourth quarter, but a soft global economy and election uncertainty will act as...
Read the Raymond James Investment Strategy Committee views on the investment environment in the latest Investment Strategy Quarterly.
September 26, 2016
Choosing wisely among an array of giving vehicles can help you make the most of your donations, both for the causes you donate to and yourself.
September 23, 2016
Mike Gibbs, Managing Director of Equity Portfolio & Technical Strategy, discusses why equities may continue to perform well.
September 20, 2016
When it comes to health insurance after age 65, you’ve got options. Let us help you choose a healthcare policy that's right for you.
September 19, 2016
You've received the ominous message that your account has been compromised. Now what?
September 15, 2016
A look at the latest ways to reduce dependence on the grid and what types of savings they bring.
Learn how to protect your identity online in an age when cybercrime is becoming more prevalent.
Kevin McGarry of Nationwide Retirement Institute answers your top Social Security questions.
September 10, 2016
Review these four steps to document and preserve your digital assets.
September 7, 2016
Sustainable investing, an approach that integrates environmental, social and governance (ESG) criteria, is becoming a much sought-after...
September 6, 2016
With Medicare's open enrollment season upon us, ask yourself a few questions to make sure you're getting the most from Medicare.
September 1, 2016
Learn more from Mike Gibbs, Managing Director of Equity Portfolio & Technical Strategy, about the impact of the Real Estate Investment Trusts (
August 26, 2016
Sharpen these skills to excel in your new role.
August 19, 2016
What you don't know and what you can do about it.
Owning too much of a single security can be hazardous to your wealth.
August 15, 2016
Consider the options for tapping into your retirement savings.
From smart phones to smart homes, emerging technology is changing the way Americans approach aging — and Baby Boomers welcome the advances.
August 11, 2016
Don’t let sudden wealth from selling your business take you by surprise.
Don’t wait until “what if?” becomes “what is.”
August 10, 2016
Borrowing can be harmful, but the key to success is understanding how to use debt wisely.
Whether in-person or online, connections fostered among caregivers provide long-range benefits.
August 9, 2016
Owning a business can have great rewards, but also great risk. Learn more about how to protect those rewards.
August 3, 2016
More and more Americans are going back to work or volunteering after retirement.
July 26, 2016
Roth IRAs offer great benefits, even for those who think they don't qualify.
July 20, 2016
Downsizing and minimizing clutter can be liberating when you make more room for your future.
Proactive tax planning can help your retirement income last longer.
July 19, 2016
As more and more baby boomers edge toward retirement, they’ll start thinking about what happens next and how to prepare.
July 14, 2016
Chief Economist Scott Brown provides an update on current economic conditions for the U.S.
July 6, 2016
Try your hand at these nine mental workouts to stay sharp and get the most out of your retirement years.
July 5, 2016
Hear from members of the Raymond James Investment Strategy Committee as they share their views on Brexit and the political uncertainty in the...
June 30, 2016
Despite European tensions during the last weeks of June, the domestic equity markets still managed to end the quarter on a positive note.
June 29, 2016
As you prepare yourself for Social Security, be sure to ask yourself these questions.
June 28, 2016
Five financial lessons to help teach smart money management.
June 24, 2016
Following the unanticipated decision for the UK to exit the EU, global market volatility spiked Friday.
Hear from Jeff Saut, Chief Investment Strategist, as he talks through the implications of the Brexit vote.
Chris Bailey, European Strategist, shares his thoughts on the U.K.'s decision to leave the European Union.
June 22, 2016
Take the time to design an alternative retirement plan should retirement come earlier than expected.
June 15, 2016
Travelers have long recognized the value of expanding the mind, while delighting the senses through adventurous experiences both at home and...
June 7, 2016
After years of saving and investing, you now need different strategies to generate retirement income.
May 31, 2016
Following a soft first quarter, economic data reports have been mixed, but generally consistent with a pickup in growth throughout May.
May 25, 2016
Social Security offers benefits to family members who depend on you, so it’s good to know who is eligible.
May 23, 2016
For many, their 30s is a time to build a family and a stronger financial future.
A new union can and should change your financial future.
May 22, 2016
Social Security benefits are an important part of almost any retirement income plan. One Social Security misstep could leave you missing out...
May 20, 2016
Before you decide when and how to file for Social Security, it’s important to understand the basics.
May 18, 2016
Maintaining quality of life throughout increasingly long retirements brings a new set of challenges.
The idea of spending vacation time bonding across layers of one’s multigenerational family may not appeal to everyone, but a growing number of...
May 17, 2016
To help guide you through the process, researchers at the Massachusetts Institute of Technology (MIT) AgeLab developed a five-topic framework...
May 13, 2016
Deciding when to file for Social Security could make a large impact on your lifetime benefit.
May 12, 2016
Chief Portfolio Strategist, Nick Lacy, discusses his thoughts on asset allocation and its importance.
Just like the kids you’re saving college funds for, 529 plans are often misunderstood.
May 11, 2016
Let’s take a look at how this educational savings tool can help you cover expenses for higher learning while lowering your taxes.
May 10, 2016
When you plan for retirement, it’s important to consider how Social Security is taxed to know how much retirement income you’ll actually have.
"Uberization” brings collaborative consumption to new audiences.
May 9, 2016
New grads entering the workplace can pave the way toward a secure financial future with these simple steps.
May 4, 2016
Talking through some big decisions will help you and your partner get on the same page before retirement.
May 2, 2016
Despite stumbling a bit at the end of April, the U.S. stock market came within striking distances of new highs during the month.
April 26, 2016
Time is your most valuable asset when saving for retirement.
April 25, 2016
What you pass on can include digital assets and hard-earned wisdom.
April 19, 2016
Concentrated positions may create wealth but they may not protect it.
April 18, 2016
There are many theories about Alzheimer's. Learn which ones are busted in this infographic.
April 12, 2016
Help kids of all ages develop smart money habits.
March 29, 2016
Celebrate Financial Literacy Month by brushing up on some of the fundamentals behind sound financial planning.
March 28, 2016
Whether you get a refund, or end up owing, you have options.
March 23, 2016
The next time travel planning takes you skyward, remember these common reasons why the price of a single flight may change from one day to the...
March 21, 2016
It’s never too early to start saving for your child’s or grandchild’s education with a 529 plan.
March 18, 2016
Planning ahead can help you get the jump on some of these surprise costs.
March 17, 2016
When thinking about retirement, there are so many options. A Roth IRA can be a powerful retirement tool.
March 14, 2016
Early detection of Alzheimer’s disease and other dementias is vital to helping protect the financial future of those affected and their...
March 2, 2016
There are four financial factors you should consider that will affect a career change.
More women have become economic forces within the modern workplace.
February 23, 2016
For better or worse, networking is a large part of growth in the business world.
February 16, 2016
Managing Director Nick Goetze discusses what investors should know about premium bonds and their potential benefits.
February 2, 2016
Review this checklist and prepare for parenthood with open eyes and special financial care.
January 24, 2016
A tax refund may feel like a bonus, but breaking even is better. If you end up with a refund, you may want to reconsider how much you’re...
January 21, 2016
Saving early and often can help you reach your retirement saving goals.
January 19, 2016
No matter where you are in life, you have probably thought about what you might like to do with your future. Achieving your vision for the...
January 15, 2016
Positive social interaction is essential to a healthy and fulfilling retirement.
January 14, 2016
With weak stock prices and crude oil prices slipping, it has been a rough beginning to 2016.
January 13, 2016
While your financial attention may be pulled in multiple directions, you need to learn to make the most of life’s financial tradeoffs.
January 8, 2016
If you’re concerned that you haven’t put enough away to retire, you have plenty of company.
January 3, 2016
Important ways to save in 2016 and beyond.
December 9, 2015
Learn how to escape the investment traps your brain sets for you.
December 8, 2015
When more people enter the workforce, the job market grows and everyone wins. Here are six reasons why.
December 1, 2015
Despite our best efforts, sometimes grown children aren't quite ready to enter the real world.
November 17, 2015
Roth IRAs provide a tax-advantaged haven for retirement savings, along with a number of other compelling benefits.
October 22, 2015
Andy Zolper, Chief IT Security Officer, discusses how to keep your information safe in the age of booming technology.
October 6, 2015
To counter or reduce the overall impact of taxes, it’s important to evaluate your income sources.
October 2, 2015
Nine commons scams, often targeted at elderly individuals, that you should be aware of.
September 24, 2015
Adding more stocks to your income plan may help offset low interest rates and inflation.
September 21, 2015
A little research can help ensure your donations are put to good use.
September 1, 2015
Retirees find college towns support an active, interesting and enriching lifestyle.
August 27, 2015
A guided tour through Gerontopia, by Dr. Joseph Coughlin.
August 24, 2015
It’s natural to be nervous when the markets head for negative territory. Keep a positive perspective with these six investing reminders.
August 11, 2015
Traveling on your own may be your ticket to a transformative experience.
August 5, 2015
With the rise of the sandwich generation comes the rise of the multigenerational home.
July 29, 2015
Spread the spirit of giving from generation to generation.
Compromise is essential when it comes to taking on risk in a couple's portfolio.
July 20, 2015
Just because tax season is behind us doesn't mean we can - or should - forget about taxes until year-end.
June 24, 2015
Planning for retirement is a big undertaking. Fortunately you don't have to build your financial future all at once.
June 17, 2015
Americans are living longer and rethinking life's major milestones - from marriage and homeownership to parenthood and retirement.
Recent market conditions have hurt the recycling industry and reduced its profitability. Will recycling programs continue if they’re in the...
June 10, 2015
Pet ownership, as you get older, comes with great joys and responsibilities.
June 8, 2015
Today's seniors are working more than ever before and transforming the workforce in the process.
Practical tips to support aging in place – because there is no place like home – now and in the future.
May 27, 2015
Travel abroad can turn up delightful surprises, but what if you’re faced with a crisis?
May 19, 2015
As you hunt for a home, review these helpful and practical homebuying tips to avoid potential pitfalls.
May 15, 2015
Pets have wiggled their way into our hearts and homes for years, but do you know the impact they are having on your wallet?
April 30, 2015
Retirement is more than weddings, vacations and sail boats. How will you fill all the days of your year in retirement?
April 29, 2015
The burden of college costs often becomes a major family concern as the costs of higher education have risen over the past decade.
April 23, 2015
Retirement will be the adventure of your life. Are your grand plans enough to fill your days and your soul?
April 2, 2015
Nonprofits benefit when you invest your time and talent.
March 26, 2015
A financial plan is built on a few fundamental concepts...here are some to keep in mind .
March 23, 2015
Be mindful of the factors that impact your credit score and know your numbers.
Investors considering lower rated bonds may find higher yields – along with higher risks.
February 26, 2015
Lessons from a sitcom can help plan for a happy and active retirement while joyfully living the single life.
December 29, 2014
Shavarne Dahlquist, fiduciary consultant, Raymond James Trust, encourages clients to think about estate planning as a lifetime process rather...
December 9, 2014
Listen as Gail Buckner, Financial Planning Spokesperson for Franklin Templeton, explains why timing is everything when it comes to Social...
December 1, 2014
When children leave home, you may find extra resources to invest in yourself.
Continuing ed plays a vital role in career and professional growth.
When managed correctly, debt can be a useful tool, especially in a low interest rate environment.
New stay at home parents should think through some key decisions.
Freedom may be the impetus behind voluntarily downsizing your home.
Teach your children to treasure their financial legacy.
November 20, 2014
To stay in step, think about differences in life expectancies, health.
Retiring couples should coordinate lifestyles, wants and wishes, too.
Staying focused on what matters most can help you plan and prioritize.
The fear of missing out has made it harder to check out of the rat race.
No matter what college your child or grandchild plans to attend, the price tag should probably have a warning label covering the actual cost.
Lessons to help college kids become financially responsible adults.
November 19, 2014
Time your age-related decisions properly.
One of the realities of married life is that one spouse is usually more focused on the couple’s financial and retirement planning than the...
For a variety of reasons, second (or third) marriages are becoming the norm.
Convey your values, beliefs, wisdom to those who survive you.
Ensure the bills get paid, income is maximized and you always know where you stand.
When "a portion of the proceeds go to charity," how much is that - and does the charity know?
November 18, 2014
Philanthropists seek more than just a tax deduction; they want to know that their donations will yield results.
Discussing your hopes, fears and wishes can bring you and your adult children closer.
Some key points to help you travel successfully with your grandchildren.
What it takes to live overseas as an American citizen.
To your grandchild, you are a center of knowledge; travel together helps pass it along.
They call it password fatigue - the dozens of secret codes we must remember to access our accounts overwhelm us, so we reuse them or write...
When it comes to senior housing, today’s retirees are refusing to settle for the tried and true.
As the saying goes, “timing is everything.” This even applies to when you decide to take your Social Security retirement benefits.
November 17, 2014
Home automation products you can control from your smartphone.
November 4, 2014
Charitable giving can reduce your tax burden and also provide a sense of satisfaction by benefiting your favorite causes.
April 20, 2017
Read the fixed income commentary from Executive Vice President Kevin Giddis.
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© 2017 Raymond James Financial Services, Inc., member FINRA/SIPC