A complete range of services to address all of life’s priorities

Your financial needs change over time, from accumulating wealth to planning for retirement to making your money last as long as possible through retirement. One constant, however, is our ability to help you pursue your goals throughout your whole life.

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.

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.


Institutional investment approach

Our institutional investing approach is designed to provide you with the methodology that endowments, foundations, and defined benefit plans utilize to potentially achieve higher returns, and with much less risk, than the typical individual investor.

This approach makes use of multiple asset classes based on your goals, time horizons, and risk tolerance; the development of, and adherence to, a written investment policy; and a regular review of investment performance versus your objectives and relevant benchmark indices.

We believe a portfolio built by using multiple asset classes will offer you the best chance of potentially achieving above-average, long-term returns while simultaneously reducing the likelihood of major short-term losses.

We also believe objectivity and independence are required when selecting the right investments for your portfolio. While we have access to a wide range of investments, we do not have any obligations to purchase proprietary products from outside firms or investment managers.

Like institutional investors, we believe you will have an increased chance of experiencing more consistent performance in a variety of market conditions.

An investment policy serves as the cornerstone for the management of your portfolio. This written document supports the consistent, disciplined following of your investment strategy and will help give you the perspective needed to stay prudently invested. This will be particularly important during adverse market conditions when you may be inclined to abandon a rational, well-reasoned strategy and instead react to short-term events or conditions.

Each quarter, you will receive a detailed report. We will meet with you in person annually, or more frequently if needed or desired. The purpose of the reports and meetings is to evaluate how your portfolio is performing compared to your investment policy. You will always know how your portfolio is performing, why it is performing the way it is, and what adjustments, if any, need to be made in the ongoing pursuit of your goals.

Investing involves risk and investors may incur a profit or a loss. Diversification and asset allocation do not ensure a profit or protect against a loss.

Investment planning

We will customize a personal investment strategy based on factors such as your objectives, time horizon and risk tolerance, then evaluate your current holdings and allocate your assets in a diverse variety of sectors and investments designed to increase the likelihood of generating a consistent return over the long term.

Asset allocation does not guarantee a profit nor protect against loss

Asset management

Raymond James offers full-service asset management for clients who prefer to utilize the skills and expertise of professional money managers.

Asset Management Services – Personal asset management of individual portfolios by professional asset managers is now available to most investors. The advantages are that the manager understands the objectives of the investor and focuses all of his or her working day on the selection of investments for and the subsequent monitoring of client portfolios.

Eagle Asset Management – Eagle Asset Management provides institutional and individual investors with a broad array of separately managed account and mutual fund products designed to help meet long-term goals. Founded in 1976, Eagle was built on the cornerstones of intelligence, experience and conviction that we believe clients expect from their investment managers.

Eagle Boston Investment Management – Eagle Boston Investment Management specializes in small-capitalization investment management and currently manages in excess of $700 million for institutions and high-net-worth individuals. Organized in April 1992, Eagle Boston is a wholly owned subsidiary of Eagle Asset Management.

Freedom Account – The Raymond James Freedom Account helps to make choosing your portfolio strategy easy. Our comprehensive, four-step process helps match your unique goals and risk tolerance with an asset allocation model that’s designed for you – from capital preservation to asset growth.

Institutional consulting services – Working with your advisor, our team of investment professionals at Raymond James Institutional Consulting Services provides for all aspects of investment consulting – from strategy development and investment research to reporting and periodic reviews. We understand the importance of our clients meeting their investment stewardship obligations. Each investment strategy is developed in consideration of well-established fiduciary standards and is backed by our philosophy of conservative management.

Eagle Asset Management is a subsidiary of Raymond James Financial. Small cap investing involves greater risks and is not suitable for all investors.


Asset allocations

Asset allocation is a long-term strategy designed to help investors achieve their financial goals without assuming undue risk. By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent, positive return over the long term. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.

Asset allocation does not ensure a profit nor protect against 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.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Insurance & annuities

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.

Long term care insurance

Long-term care insurance can help you preserve your savings and give you access to a range of care options. Nearly four in ten people will need long-term care at some point during their lifetimes. Medicare provides only limited coverage and does not cover custodial care, the type older individuals often need.

These policies have exclusions and/or limitations. The cost and availability of Long Term Care insurance depend on factors such as age, health, and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of Long Term Care insurance. Guarantees are based on the claims paying ability of the insurance company.