You lead a multidimensional life. That’s why we offer services to mirror your needs and objectives – 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 will undoubtedly pursue all of these goals – and far more. And with a full range of financial services, we can help you prepare for all the significant events of your life.
Investment Consulting
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We are here to help you preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. 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. Alternative Investments are not suitable for every investor. They involve substantial 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. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.
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If you’re like many investors these days, you want your investment choices to reflect your core social, political and/or spiritual values. If this is the case, we can help you identify companies and mutual funds that conduct business in a way that does not conflict with your own personal convictions. We help you make investment decisions you deem comfortable, responsible and effective.
Those who are socially concerned also pursue the same goals as all investors: generating income or capital gains and/or preserving capital for future needs. That is why we apply the same financial analysis to socially responsible investments as we do to others.
Advanced Wealth Planning
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Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We use a collaborative process to determine your retirement readiness, create a plan for income, and help you visualize your future.
And since our goal is the total well-being of our clients, we look beyond finances to address the root causes of challenges tied to a career change, retirement or other life event. We have established relationships with professionals* in many disciplines whose expertise complements and broadens our own, and who can offer referrals as needed. This includes life and retirement coaches who can help ease the transition to retirement, as well as career coaches for those who are stuck or need to make a change.
*The professionals with whom we work are independent entities and are not endorsed or sponsored by Raymond James.
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Insurance helps protect you from the unexpected and plays a crucial role in your comprehensive financial plan. Raymond James provides a wide array of quality insurance solutions, including life insurance, long-term care insurance and annuities. They can offer an important layer of safety for you, your family or your business.
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Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can ensure that the assets accumulated over your lifetime are protected and preserved for the use you have intended.
Changes in tax law can necessitate changes to your estate plan. We carefully monitor these changes to help you take advantage of any new opportunities, address new challenges, and make modifications as needed to keep your plan current.
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You give because you are passionate about supporting causes near to your heart. Yet charitable giving can help you, in turn, by providing tax benefits and supporting your wealth management plan. We can help you with solutions that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.
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Funding a child’s or grandchild’s higher education can be a personally rewarding use of your wealth. We can help you provide for this opportunity with investment vehicles such as 529 college savings accounts and specialized trust vehicles.
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Preserving assets and managing risk take on more importance when you’ve reached a certain level of success. Maintaining your standard of living, providing for family, generating income with minimal tax consequences, and safeguarding wealth against unexpected events are concerns we address for you – so you can focus on enjoying your life.
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We can employ a tax-sensitive approach to your planning and work with you and your other professional advisors – accountants and tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies designed 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.
While we are familiar with the tax provisions of the issues presented herein, as financial advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
Planning for Your Business
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A succession plan addresses and resolves many important considerations. Should you transfer ownership to family members or employees or perhaps an outside party? Do have an orderly plan in place in the event of an incapacitating health event or death? How can you pull money out of your practice in a tax-efficient manner? We help you answer these important questions and smooth the transition by helping you build a solid succession plan.
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For business owners and medical professionals in private practice, or those tasked with managing the retirement program of the business for which they work, we provide the resources, employee education and planning necessary to help them create and manage successful retirement plans.
We call on both our professional expertise and our personal insight as we help you develop, introduce and manage a retirement plan suited to the needs of your business and the people who help make it successful.
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Through Raymond James, we offer personal lines of credit,* investment accounts with check writing, online bill payment, enhanced reporting and more. We also can assist you in evaluating short-term interest-bearing instruments such as brokered certificates of deposit, and cash sweep options.
*The personal line of credit is through a margin account.
Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank.
A margin account may not be suitable for all investors. Borrowing on margin and using securities as collateral involves a high degree of risk, and an investor can lose more funds than he or she deposited in the account. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash in the account. The securities in the account may be sold by the firm to meet the margin call, and the firm can sell the investor’s securities without contacting them. An investor is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a margin call. The firm can increase its maintenance margin requirements at any time and is not required to provide an investor advance written notice. An investor is not entitled to an extension of time on a margin call. The interest rates charged are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information.
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Raymond James is a full-service investment bank with national and international capabilities. Comprised of more than 500 capital markets professionals, Raymond James is one of the most highly regarded middle-market equity firms and advisory practices in investment banking today, providing expertise in mergers and acquisitions, including buy-side and sell-side assignments.
Rather than focus on investments alone, we take a thorough, 360-degree approach to wealth management and sound financial planning. I think of it as a ‘wellness approach’ that helps achieve a balance between money and life, and makes decisions so much easier.
