The successful people we proudly call

While many of our clients live in South Florida, as we do, we have clients coast to coast from California to New York to Boston. Some are building careers and families, while others are already retired. Some are medical professionals, while others are professional athletes and entertainers.

Our clients may be geographically and occupationally diverse, but they have a lot of similarities. Many like to spend time golfing, traveling and taking their family on vacation. Most are concerned with making sure they have enough money to last throughout their retirement, that their principal will be preserved and responsibly invested, and that they will be able to leave a legacy for their family.

They want to work with an advisor that will not only address these goals and concerns, but will holistically look at the big picture and develop a plan that encompasses all the important financial matters in their lives.

Along the way, we have developed personal friendships with many of our clients. When we meet, the conversation frequently turns from reviewing their financial plan to what’s been going on with their lives and loved ones.

We serve successful individuals who understand the wisdom of having a well-designed financial plan for addressing important priorities such as funding their children’s college educations, and having enough for retirement. We have deep experience in addressing the important financial matters successful individuals face, including asset preservation, tax planning, managing cash flow, managing education debt, valuing a company or practice for purchase or sale and, ultimately, enjoying financial independence.

We also work with many multigenerational families, from the great-grandparents to the great-grandchildren. Our relationships often begin with one generation who then refer us to their family members – we think it speaks highly of the client experience we deliver. Of course, there is a multigenerational family within our group, as well – Bernie Cohen, who has been in the business for 50 years; and his son, Jon, who has been in the business for 25 years.

The importance of family is a universal theme among our clients, so we take extra care to understand their family dynamics and address the wishes they have for their loved ones. We help our clients have a legacy strategy that not only provides for their family and the organizations they’re passionate about, but also has the potential to generate tax benefits and further their overall wealth management plan.

Many times, we find that a family’s wealth is concentrated in a single stock, received through inheritance or benefits from a successful business career. We have strategies designed to resolve this risk, while also mitigating the tax implications.

Our objective is to serve as your financial advisors for life, handling all matters related to managing and preserving your wealth, and building your legacy – so you are free to focus on the people and priorities in life that matter to you most.

Athletes and entertainers have unusual financial situations. While most people earn their salary over a career that spans 30 or 40 years, the timeline for athletes is much more compact – a pro career only averages three to seven years. Entertainers can also have highly variable incomes. Their annual earnings can be subject to outside influences such as changing cultural tastes, TV ratings and movie box office results.

Receiving a sudden influx of wealth at a relatively young age can be a temptation to spend recklessly without regard for the future. Special care must be given to help ensure that your earnings are well invested during lucrative times so that assets will be available later in life when needed.

We can sit down together and map out a plan designed to provide income throughout your life and pursue goals such as preparing for your post-career life and providing for your family down the road.

In addition to financial planning, we can help you with other essential matters such as budgeting and cash flow management, bill paying, tax planning, risk analysis and management, and even buying a second home or financially helping your family members. We can also help evaluate business opportunities presented to you and manage income from endorsements or promotional appearances.

As a physician with a practice, you have needs similar to business owners, but with particular emphasis on risk management. You may have a small group of employees, so your retirement plan options for the business are more limited.

Your unique requirements include protecting assets from liability risk, tax planning, mitigating the effects of healthcare cutbacks, managing education debt, independent contractor issues and, finally, achieving financial independence.

Our team of financial professionals is experienced in managing the financial issues that impact physicians and other medical professionals. By collaborating with your other qualified advisors, we can create family limited partnerships or asset-protection trusts, secure umbrella insurance coverage and help you find solutions for dealing with managed care reimbursement cutbacks and rising practice expenses.

Services we offer include:
  • Comprehensive financial planning
  • Managing tax, liability and risk exposure
  • Family wealth counseling
  • Education planning
  • Estate planning
  • Philanthropic planning
  • Business succession planning

Please note: changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

The need for a financial plan doesn’t just end with retirement. Because people are living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing.

It is important to have an experienced financial advisor whose goal is to help you with preserving your wealth, creating sustainable income throughout retirement and maintaining your standard of living. To this end, there are many things we do. One is to create a personalized plan designed to preserve your wealth and mitigate the impact of market risk, taxes and inflation. This includes having a sustainable withdrawal strategy to strike a careful balance between your need for monthly income and your desire to make your money last your lifetime.

We will help you differentiate your essential living expenses from aspirational lifestyle expenses, manage your required minimum distributions and determine the most tax-efficient ways to draw income from your taxable and tax-deferred investments.

We’ll also make sure to review important matters such as Social Security and Medicare. Plus, we’ll collaborate with your legal and insurance professionals on important matters such as having a plan for your estate, and having the protection provided by life insurance and long-term care insurance.

You’ve worked hard all your life to arrive at this significant stage of your life. Our goal is to help you enjoy your well-deserved retirement.