A full range of financial planning services
Two practice areas 280 combined years of practice

Your financial priorities evolve over time, from accumulating wealth to planning for retirement to making your money last as long as possible. One constant throughout it all is our ability to help you with the relevant guidance and advice you need at each time. Through the full spectrum of financial services we offer, we can help you plan not only for a wide range of needs, but for the long succession of significant events that span your lifetime.

There’s much more to your life than simple transactions and returns. Similarly, there’s more to financial planning than just an investment portfolio and a retirement strategy. You have many things to plan for now and well into the future, so we look at financial planning through a wide lens, and develop strategies designed to keep you comfortable in the present while helping you reach your near-term and long-term goals.

We can help you with every phase of planning for one of the major milestones in life – your retirement. During your working years, we’ll develop and monitor a plan for accumulating wealth 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. Then once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.

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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.

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are preserved for the use you have intended. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

Our objectives are to preserve wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We provide discretionary asset management services to individuals and institutions and remain committed to following a disciplined investment process.

We know that 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.

Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James, we can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization.

For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance and combine protection and tax-advantaged growth opportunities with annuities.

Are others dependent upon you for financial support? If your children, spouse, other loved ones or even your business had to continue without you, would there be ample income to do so? An essential part of financial planning, life insurance can help replace income that would be lost upon your death. It can also help ensure that dependents are not burdened with significant debt, affording them financial security in a difficult time. It can also provide a cash infusion to your business to meet ongoing business expenses and obligations. We can assist you in determining the type and amount of life insurance you may need based on your individual situation.

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, tax planning, employee retention programs, insurance, financing and succession planning.

We take a tax-sensitive approach to financial planning and work with you to help minimize the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can help 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. Keep in mind that tax laws are often complex and frequently change.

Philanthropy can bring personal satisfaction, enabling you to support causes and organizations that matter most to you. It can result in significant tax advantages – including income tax deductions, reduction of capital gains taxes, and lower estate taxes. Some options can provide a continuous income stream for you, as well. 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 further your overall wealth management plan.

Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional. Tax Services are provided as a service of Whittaker Cooper P.A., and not as a service of Raymond James Financial Services.