PROVIDING SERVICES essential to your financial life
Financial planning, investment management, retirement income planning and estate planning all play a vital role in your financial independence and well-being. Because of this, we focus on serving you in these areas – so you can continue enjoying the well-deserved lifestyle you’ve worked so hard to achieve.
There are two qualities successful investors possess – patience and discipline. Asset allocation is a long-term, disciplined 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.
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 to leave behind the legacy you had envisioned. Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement income planning and disciplined investing. We can create a plan for sustainable monthly withdrawals from your investment portfolio designed to make your money last your lifetime.
Learn more by visiting our retirement planning microsite.
Goal Planning & Monitoring is an innovative financial planning software solution from Raymond James that can help align financial decisions with your unique vision of retirement and other highly personalized goals. We can identify and enter your goals to assess appropriate asset allocation targets and spending or savings rates and then share the results with you.
If your goals include providing for the future of a child or grandchild, we can help you investigate 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.
Our goal is to help clients identify, manage, and mitigate risks including, but not limited to, investment volatility, health care expense or event, high investment withdrawal rates, longevity, and loss of income. While all risks cannot be eliminated, we can help you plan for and manage through life’s uncertainties.
We are available to help you address sources, amounts, and timing of retirement income. Three of the most common sources are:
Investment Withdrawals - What is a sustainable amount given your set of circumstances? Withdrawing Your Retirement Income Wisely
Pension - Lifetime income vs. lump sum
Social Security - What is your optimal time to begin? You may have choices that affect couples and surviving spouses for the rest of your lives. Maximizing Your Social Security Retirement Benefits
Whether it’s providing income for a spouse, passing assets outright to the next generation, educating children or grandchildren, protecting assets from a spendthrift heir, 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.
Proper documents should be current and reflect your wishes to help avoid unnecessary time, expense, and difficulty in the event of incapacity or death. This can be accomplished by coordinating our efforts with your tax and legal professionals and working closely with you and your family.
Please note: Legacy planning can involve more than just finances.
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 are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.
A health event requiring long-term care can be financially catastrophic. It can be one of the most prominent risks to even the most carefully crafted retirement plan. Nearly 4 in 10 people will need long-term care at some point in their lifetimes. Medicare, however, provides only limited coverage and does not cover custodial care, the type older individuals often need. If long-term care is required at home or in a facility, we can help you think through your options and develop a plan of care.
