A solution

for your whole financial life

 

The individuals and families we serve seek financial guidance, not the limited, impersonal services offered some places. At The Fowler Group, we believe continuous, long-term planning is essential. Whether you’re focused on living well in retirement, or have more specific needs such as ensuring you have the right amount of insurance, through Raymond James we have all of the resources to help holistically manage your wealth.

Financial planning

We appreciate the complexities and changing priorities of life. That’s why our expertise is grounded in three basic financial concepts most people go through: wealth accumulation, conservation and distribution.

Truly understanding what stage you’re at now and where you want to be is what drives our plan to help get you there. Once we develop your unique, comprehensive financial plan, we follow a disciplined process to help keep you on track to meet your goals.

Click here to get started and print the Financial Planning Checklist.

Retirement planning

Wherever and however you see yourself enjoying your retirement, we can develop savings and distribution strategies to help ensure you enjoy it for a long time.

We can help you with every phase of planning for your retirement. During your working years, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, we’ll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. Once you’re retired, we’ll determine tax-efficient income and wealth transfer strategies. LEARN MORE

Life issues in retirement

While it’s important to focus on the financial needs that come with aging, navigating the countless choices impacting your quality of life shouldn’t take a backseat during the planning process. We can help you consider how your health, housing, transportation and caregiving can be addressed. Read more.

Click here to get started and print the Retirement Planning Checklist.

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.

Click here to use a College Savings Calculator and click here to print a College Planning Brochure.

Cash management

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

Click here to view a brochure on our Cash Sweep Program or click here to view a brochure on our Capital Access Program that allows you to have checks and a debit card on your account.

*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.


Asset allocation

This long-term strategy is designed to help achieve your financial goals without assuming unnecessary 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. Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in alternative investments if you do not require a liquid investment and can bear the risk of substantial losses.


Click here to complete a Risk Tolerance Questionnaire.

Legacy planning

You may be confident that you can fund a comfortable retirement, and still have money left over to leave an inheritance for family members or to provide a donation to a favorite charity or two. We can assist you with estate and legacy planning needs like these by helping you optimize your assets, potentially minimize tax implications and determine the course most appropriate to your situation, in addition to helping select effective vehicles to implement your plans.

Click here to access a Financial Affairs Organizer.

“The individual investor should act consistently as an investor and not as a speculator.”

– Benjamin Graham