Financial services
for your priorities in life.

“The key to long-term investment success is avoiding significant losses.”

– Equity Investment Corporation Investment Philosophy


Your financial objectives may consist of accumulating wealth, transferring wealth through estate planning strategies, planning for retirement, providing for children’s or grandchildren’s college, making your money last through retirement and/or planning for medical needs as the years progress. And when you think about it, you will undoubtedly pursue all of these goals over the course of your lifetime. With the full range of financial services we offer through Raymond James, we can help you be prepared for all the significant events of your life.

Social Security review and planning

As you approach the age of Social Security decisions and planning we will help you to understand the Social Security benefit options. Your Social Security benefits will play a role in our planning with you for retirement income along with other sources you may have such as pension, annuities and, of course, investment portfolio income.

Some examples of Social Security benefit planning areas for discussion are:

  • Full retirement age (FRA)
  • Collecting early benefits
  • Taxation of benefits
  • Cost of living adjustments
  • Working while collecting benefits
  • Survivor widow/widower benefits
  • Divorce benefits
  • Government pension offsets
We will discuss your personal situation as it may apply to specific benefit rules and guide you to a solution with the help, depending on its complexity, of your attorney and/or tax professional, if necessary.

Portfolio investment management

To design your personalized portfolio, we first establish your time frame and objectives that are the right fit for your portfolio construction. The next step involves “asset allocation” and diversification between investments and asset classes (categories such as equities, bonds, money markets, alternative investments). Depending on your situation, some investment vehicles we use might include mutual funds, ETFs, third-party management, individual bonds (corporate, tax-free and/or U.S. Treasuries) and owning individual companies. We will employ time-tested management techniques designed to help manage the volatility of the portfolio, and our combined 55 years of experience will offer you the use of fundamental research of the financial characteristics of the companies you own along with technical (charting) analysis to help in the decisions of managing the portfolio. You will receive a semiannual report of allocation analysis, sector analysis, top position holdings, asset growth and performance pictures of the portfolio.

Asset allocation and diversification does not ensure a profit or protect against a loss.

Estate planning

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.

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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Bonds can play an important role in a well-diversified portfolio. They are designed to provide predictable income and, most important, relative safety of principal. Also, bonds may 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.

Insurance and annuities

Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. Raymond James provides a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization.

Build a protective cushion with life insurance.

Preserve your estate by covering nursing home, in-home care and other medical expenses with long-term care insurance.

Combine protection with tax-advantaged growth opportunities with annuities.

Related: A Guide to Annuity Compensation at Raymond James

Third party investment managers

Because your lifestyle and financial needs are unique, managed‐money portfolios encompass a wide range of investment strategies. From capital preservation to asset growth, we can help determine which model is right for you based on your personal goals and risk tolerance. Through Raymond James Consulting Services we have access to third party managers that traditionally manage endowments and foundations that will manage your assets with a minimum $100,000 investment.

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Diversification does not ensure a profit or protect against a loss.

Long term care planning

Think about the reasons why you’d want to plan ahead for long-term care expenses. You probably want to protect yourself, your loved ones and your lifelong investments and asset accumulation from having to make the difficult choices or rush decisions that individuals face when they haven’t prepared. You may have expectations for your retirement lifestyle or the size of the legacy you’d like to pass along to the next generation. But what if you needed long-term care? Will the savings you’ve intended to cover expenses be sufficient, or will you need to spend down retirement or estate assets? This area of your financial life plan is an important part of how your retirement years will be successful.

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.