A financial partner for you and your family

Our mission is to serve as your family’s 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 your life that matter to you most. We help affluent families address the many financial matters they face, balancing the needs of today with the goals of the future. There are college educations to be planned for and insurance matters to be considered for protecting your family from the unexpected. Whatever the need, we’ll be here for you as your family grows, builds and evolves into future generations. Depending on your unique circumstances and objectives, our strategies and services may include:

Investment management

Our objectives are to preserve wealth by managing risk and countering 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 that a proper asset allocation 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.

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

Retirement planning

Because people are living longer today, careful retirement planning and disciplined investing are essential. Once in retirement, preserving your wealth is likely among your highest priorities. You aspire to maintain a comfortable lifestyle and be able to leave behind the legacy you have envisioned. We can help you prepare for this significant milestone in life. Learn more by visiting our retirement microsite: LEARN MORE

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 the assets accumulated over your lifetime are preserved for the use you have intended. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

Tax planning

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants, tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can 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. Keep in mind that tax laws are often complex and frequently change.

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

Education planning

If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.

Risk management

We believe a comprehensive financial plan must consider and prepare for the unexpected – such as accidents, illnesses and disability. Our team helps you think ahead and consider different scenarios, then prepare contingency plans to address them. We understand that while risk cannot be eliminated, it can and should be mitigated. Our risk management services include life insurance, annuities, long-term care insurance and disability insurance.

Credit, lending and cash management

We help you manage both sides of your balance sheet, including your borrowing and cash management needs. Through Raymond James, we offer personal lines of credit, mortgages* and 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, money market funds and cash sweep options.

*Service provided by Raymond James Bank.

Raymond James Associates, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.

Trust services

Through Raymond James Trust, N.A., we offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. Whether your goal is to minimize estate taxes, help ensure you have the funds you need down the road, provide for a loved one or spell out exactly how you want your wishes to be carried out, we can help.

Alternative investments

We believe in the appropriate use of alternative investments as a source of reduced portfolio correlations, especially in times of market instability. Depending on the circumstances, our portfolio may include allocations to long-short equity funds, event-driven funds, distressed debt investments, managed futures and private equity.

Alternative investments involve specific 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. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in alternative investments if you do not require a liquid investment and can bear the risk of substantial losses.

Services for corporate executives

The rewards of providing uncommon vision and leadership can be significant, but with them often come unique challenges and risks, such as highly concentrated stock positions.

We can help you with many different executive transactions, including employee stock ownership plans, cashless stock option exercises, rule 144 executions, 10b5-1 sales plans and hedging and monetization for concentrated equity positions. In addition, we can assist with corporate solutions such as share repurchase programs, corporate cash management, executive benefit platforms and retirement programs.

Services for business owners

We understand the challenges business owners often face and have helped many new, growing and mature businesses. Most importantly, we recognize every 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, employee retention programs, insurance, financing and succession planning.

Services for professionals

We understand the long hours you put into establishing and running a successful practice. You spend your days with clients or patients – you shouldn't also have to worry about managing your money, yet it is imperative to make smart financial decisions. Your unique requirements may include protecting assets from liability risk, tax planning, managing cash flow, mitigating the effects of healthcare cutbacks, managing education debt, valuating a firm or practice for purchase or sale and, ultimately, achieving financial independence. You can rely on us to provide high-level expertise and advice for your personal financial matters and the needs of your firm or practice. We can serve as your trusted partner to help manage your investments and mitigate your tax burden, while also addressing key issues such as estate planning, generational wealth transfer and your philanthropic efforts.