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YOUR PRIORITIES IN LIFE
Your financial objectives may range from accumulating wealth to planning for retirement to making your money last as long as possible through retirement. In fact, over the course of your lifetime, you may pursue all of these goals. With the full range of financial services we offer, we can help you be prepared for all the significant events of your life. It’s this commitment to a comprehensive, holistic approach that enables us to provide the highest level of service and convenience.
Retirement planning plays a crucial role in any sound financial plan. And it doesn’t matter if you’re saving for retirement, nearing it, or if you’ve already retired, retirement planning needs to play a role in each of these phases – because each phase brings its own challenges and opportunities.
If you’re in the saving phase and not yet near retirement years, we’ll help you with disciplined investing so you may pursue your savings goal. We will also work with you to identify the factors, or risks, most relevant to your situation and plan for them. These may include inflation, interest rates and market volatility.
If you’re nearing retirement, but are not sure if you can afford to stop working, it’s time to take action. We can work with you to assess your financial situation, take stock of your assets and liabilities, and determine what actions we can take together as you strive to generate the income you’ll need throughout your retirement years.
If you’ve already retired, preserving your wealth and maintaining your lifestyle are likely among your highest priorities. Like most people, you’d love to stay in your home as long as you want and be able to leave behind the legacy you’ve envisioned. We can guide you in preparing for these goals and assist you with planning to help mitigate circumstances that may pose as threats.
To create a fully comprehensive retirement plan, we can also work with you to create an estate and legacy plan, and help identify insurance needs such as long-term care as part of a longevity plan. Whatever your goals or concerns, we are equipped with the knowledge and experience to help you prepare for this most significant milestone in life.
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.
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.
Philanthropy can bring personal satisfaction, enabling you to support causes and organizations that matter most to you. It can result in significant tax advantages, as well – including income tax deductions, reduction of capital gains taxes, and lower estate taxes. We can help tailor a charitable giving plan for you that can include one or more of the following:
Benefits charities immediately and creates a gift tax deduction.
Will or trust bequests and beneficiary designations
Through your will or trust document, or beneficiary designation form, the charity will receive the gift upon your death. Your estate is then entitled to income and estate tax deductions.
You can name a charity as the sole beneficiary or name other, non-charitable beneficiaries as well (making a partial charitable gift). The most common types of trusts used to make partial gifts are charitable lead trusts and charitable remainder trusts.
Private family foundation
You create a foundation and transfer assets into it. The foundation then makes grants to public charities. You and your descendants have complete control over which charities receive grants. (Unless you contribute enough capital to generate funds for grants, the costs and complexities may outweigh its benefits.)
A community foundation accepts donations from many sources and is overseen by individuals familiar with the community’s needs and professionals experienced at running charitable organizations.
A fund held within a charitable organization. Once you transfer assets to the account, the organization becomes legal owner of the assets and has ultimate control. You may advise, but not direct, how your contributions will be distributed.
Donors are urged to consult their attorneys, accountants or tax advisors with respect to questions relating to the deductibility of various types of contributions to a Donor-Advised Fund for federal and state tax purposes. To learn more about the potential risks and benefits of Donor Advised Funds, please contact us.
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 a proper asset allocation strategy 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.
Our team understands the challenges business owners often face and have helped many new, growing and mature businesses pursue their goals of success. 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 preservation
- Cash management retention
- Retirement and succession planning
In addition to our own experience and financial knowledge, we have access to all the resources of Raymond James, one of the country’s leading financial services firms. 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.