Goal Planning & Monitoring
Retirement
Income
Planning
Wealth
Management
Formula

A depth and breadth of services to meet

your full financial needs


The extensive range of services we offer goes beyond what you might expect from the typical financial planner or wealth management firm. We want you to be able to count on us for almost any financial-related need you encounter. Our commitment to a comprehensive, holistic approach enables us to provide the highest level of service and convenience in order to address the busy, multifaceted life you lead.

Asset allocation

Asset allocation is a long-term strategy designed to help you achieve your 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.

Asset management

Our objectives are to preserve your assets, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. That is why we provide discretionary asset management services and remain committed to following a disciplined investment process. We know 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.

Asset allocation does not guarantee a profit nor protect against loss.

Legacy and estate planning

Whether it’s providing income for your spouse, educating children or grandchildren, or leaving money to your favorite charity, proper estate planning can help ensure your assets 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
Retirement planning

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement planning and disciplined investing. Once in retirement, 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. We can help you prepare for this most significant milestone in life.

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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.

Mutual funds

Mutual funds provide you with a way to multiply your purchasing power. Whether you are a new investor or an experienced one, investing in mutual funds may be an easy way to diversify your holdings. A growing segment of the investment market, mutual funds are professionally managed portfolios whose shares are sold to the public in much the same way that stocks are.

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Bonds

Bonds can play an important role in a well-diversified portfolio. They can provide predictable income and – most important – relative safety of principal.* Bonds may also help minimize overall volatility.

Bonds can benefit an investor’s portfolio in a variety of ways. For retirees, bonds may provide a predictable income stream and relative safety of capital. For other investors, bonds can help meet future wants or needs, such as vacations, college funding or the purchase of a house.

* If held to maturity, subject to issuer credit risk. If sold prior to maturity, you will receive the then-current market value, which may be more or less than your initial investment.

Raymond James financial advisors do not provide tax advice. You should contact your tax advisor concerning your particular situation. Investing always involves risk and you may incur a profit or loss regardless of strategy selected.