As a Certified Financial PlannerTM professional with Raymond James, I take a holistic approach to wealth management, helping my clients consider every aspect of their finances.
Comprehensive Financial Planning
A comprehensive financial plan takes a complete look at every aspect of your finances and provides a roadmap and recommendations to make integrated, informed decisions. This begins by getting to know you personally, understanding your goals and systematically moves through your current assets, liabilities, cash flow, investments, retirement accounts, employer benefits, insurance policies and more. Once in place, we manage your plan together on an ongoing basis over time, navigating life’s ups and downs, making adjustments as needed and keeping you on track toward your goals.
I utilize professional asset managers and the vast expertise of Raymond James to customize a personal investment strategy for each of my clients. This takes into consideration factors such as your short-term needs, long-term goals, time horizon and personal tolerance for risk. I then develop a recommendation for how to allocate your assets to ensure proper diversification and increase the likelihood of generating a consistent return over the long term, after taxes and fees.
People today are living longer than ever. 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. I help my clients envision what they want their retirement years to look like and then develop a plan to make that vision a reality, while ensuring it is realistic and managing risk along the way. This includes taking a disciplined approach to long-term investing, structuring a sustainable income stream once in retirement, navigating Social Security & Medicare decisions, developing a thoughtful estate plan and having important conversations around things like the potential need for long-term care.
Estate Planning & Charitable Giving
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 the assets you’ve accumulated over your lifetime are preserved for the use you have intended. A well-designed estate plan can also help mitigate any related tax burden and I can help you implement strategies to efficiently manage the transfer of wealth from one generation to the next.
Additionally, through the resources offered by Raymond James, I can help you create a charitable giving plan that not only helps the organizations you're passionate about, but also has the potential to generate personal tax benefits and further your overall wealth management plan.
By coordinating our efforts with your tax and legal professionals and working closely with you and your family, I strive to help you establish a financial tradition that can be passed on for generations.
Risk Management & Insurance
Managing risks is one of the most important elements of any financial plan. Whether it’s ensuring your portfolio is aligned with your personal tolerance for risk as well as any near-term liquidity needs, assessing your insurance coverage or any number of other strategies, I take a disciplined approach to helping you anticipate and plan for whatever life or the markets may throw your way. And through the resources of Raymond James, I am able to help you secure important insurance coverage, including life, long-term care and disability insurance.
One of the biggest factors influencing the performance of your portfolio and overall financial plan is the taxes you pay the government. I take a very tax-sensitive approach to developing and managing your plan and will work closely with you and your other professional tax advisors to help minimize the impact of taxes over time.
Birth of a Child
Welcoming a new member to your family is one of the most exciting, rewarding, and financially demanding experiences you’ll ever have. I help new and expecting parents sit down and assess their finances ahead of their new addition, and provide guidance on how to best plan for and navigate the various challenges that come with it, including adjusting to your new day-to-day expenses, navigating childcare, saving for education, anticipating tax impacts and reassessing insurance needs.
Saving for College
If your goals include providing for the future of a child or grandchild, I can help you start working toward this increasingly important and challenging goal with an education funding strategy that is integrated with your overall financial plan and takes advantage of tax-efficient strategies, including 529 education savings plans.