In today’s complex marketplace, even sophisticated investors are challenged to keep current and respond to rapidly changing conditions. By utilizing advanced asset allocation strategies and carefully selected money managers across a diverse range of equity and fixed-income disciplines, our objective is to provide you with an institutional-quality portfolio designed to help achieve your long-term financial goals.

Asset allocation does not guarantee a profit nor protect against losses.

Municipal bonds are often an ideal investment choice if you are nearing or in retirement, or simply seeking tax advantages. Interest paid on tax-free municipal bonds is exempt from federal taxes and also state taxes (in most cases) if you live in the state that the bond was issued. However, bonds may be subject to federal alternative minimum tax (AMT), and profits and losses on bonds may be subject to capital gains tax treatment. Raymond James is a top 10 underwriter nationally and offers bonds in municipalities all across America.

Preserving your wealth and maintaining your high standard of living are likely 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 can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax planning, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset protection and reallocation.

Capital preservation and risk management take on added urgency when you achieve a substantial level of wealth. Maintaining your standard of living, providing for your family, generating income with minimal tax consequences, and safeguarding your wealth against unexpected events are the concerns that have taken center stage. With our extensive resources and expertise, we can help with all these issues. With our expertise and access to extensive resources, we can provide guidance on all these vital issues.

Asset allocation has been shown to be the most important single determinant of overall investment performance and risk.* Choosing the right mix of asset classes also can reduce portfolio volatility significantly. We make asset allocation a key component of our investment strategy, selecting a mix of asset classes that reflects your financial objectives, time horizon and risk tolerance.

*Source: Brinson, Hood and Beebower; “Determinants of Portfolio Performance”, 1986, updated 1991 and 1995. Asset allocation does not guarantee a profit or protect against a loss.

Diversification and asset allocation do not ensure a profit or protect against a loss.

Family wealth is often concentrated in a single stock, either inherited or earned during a successful business career. If you’re in this situation, there are many options available beyond simply selling the stock. Although reducing the risk of a concentrated equity position can be complicated, we can provide a variety of strategies that can hedge, monetize, diversify or transfer the position while managing the tax implications.

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, including life insurance, long-term care insurance and annuities. They can offer an important layer of safety for you, your family or your business.

We take a tax-sensitive approach to financial 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 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.

One of the most rewarding aspects of wealth is the opportunity to share it. Working with your legal and tax professionals, we can help develop a plan that enables you to maintain your lifestyle now while building a successful financial legacy for your future.

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 your assets accumulated over your lifetime are protected and preserved for the use you have intended.

Giving can not only help the organizations you choose, but can also generate personal tax benefits and advance 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.

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 education savings accounts, 529 college savings accounts and specialized trust vehicles.