Ready to help and guide you throughout life’s journey

Your financial objectives may range from accumulating wealth to planning for retirement to making your money last as long as possible through retirement. In fact, over the course of your lifetime, you will undoubtedly pursue all of these goals. With the full range of financial services we offer through Raymond James, we can help you be prepared for all the significant events of your life.

Retirement planning

Life’s a journey; one with many twists and turns along the way. One day you’re graduating college, the next you’re leaving work behind for a new adventure. The question is: How ready are you to navigate your journey to – and throughout – retirement? Do you know what it takes to manage your money and help it last as long as you need it to? We do. And, we know it’s never too early to start planning for the future you imagine.

No matter what stage of life you’re in, we can help you pursue independence, freedom and the things that matter most to you. Your journey begins now. Let us help you get on your way.

Retirement microsite »

Go more in-depth in matters important when you’re nearing or in retirement.

Estate & charitable planning

One of life’s greatest rewards is sharing your wealth with others. Managing assets to take care of one’s own needs and wants is one thing, but it takes additional planning and knowledgeable guidance to help ensure your financial legacy makes an enduring difference in the lives of loved ones or a favorite charity.

Having an estate plan to control the distribution of your assets benefits everyone – you, your family and the causes you care about – and can help mitigate potential pitfalls in the future. Our experienced team has the resources to assist your attorney with a personalized plan that not only preserves your assets but also helps you share your wealth with the people and charities you care about most.

Strengthen your legacy

Think of it this way: if you don’t plan for your estate, it will inevitably be done for you. Often the state will intervene, which can take a toll in taxes, time and additional emotional stress for loved ones. That is why it is important to develop an estate plan while you have the ability to do so yourself.

We are here to make legacy planning a positive, life-affirming endeavor that leads to the preservation of your family values and your assets transferring efficiently and according to your wishes. We have access to experts in trusts, insurance, philanthropy and family dynamics. Our team is also adept at working with other professionals – such as CPAs and attorneys – to help ensure a well-coordinated approach, that your wishes are communicated to all involved, and that your thoughts are thoroughly and accurately documented.

We will also be here to help when circumstances change. Events like new marriages and births can have a profound effect on legacy and beneficiary plans. Therefore, we can work with your attorney in making appropriate amendments as your needs change.

Protect your legacy

There are various instruments that work within your overall estate plan to provide confidence and control over everything you’ve worked for and accumulated during your lifetime, regardless of asset level. Examples include wills, trusts, insurance policies, and carefully considered durable powers of attorney.

Using instruments such as these can give you the confidence of knowing that your estate will be handled as you wish and can potentially exclude probate – a lengthy and expensive process. Well-documented estate plans may also help your family avoid the court’s involvement in appointing a guardian or conservator in the event of incapacity. Thorough documentation can provide for long-term care or education for children or grandchildren while other investment vehicles can provide for a favorite charity.

Our team works with you and your other professional advisors to ensure your wishes are communicated in writing and are legally binding. Moving forward, we will revisit your plan regularly to ensure it is up to date.

These legal documents should be considered for every estate plan:

  • A will
  • A revocable living trust
  • A durable power of attorney for financial affairs
  • A durable power of attorney for medical decisions
  • A living will

Make your mark

Making charitable giving part of your financial and estate plan enables you to support the charities and causes you love, now and in the future. Moreover, having the right charitable giving strategy can help further your overall wealth management plan.

There are many ways to make charitable giving part of your overall financial plan, each with its own level of control and tax benefits. Some options provide immediate or future tax deductions while others can provide a continuous income stream. In any case, our goal is to help ensure tax-efficient giving so that your estate or charity of choice receives the most benefit from your gift.

Our knowledgeable team can provide recommendations that not only benefit you now but provide the opportunity to shape the way you wish to be remembered.

Raymond James does not provide legal services. Please discuss these matters with the appropriate professional.

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 mitigate the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can help 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 might be able to someday transfer to your heirs.

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.

Investment management

Whatever your goals are, it’s how you invest your assets that largely determines how soon or if you’ll reach them. Whether you’re looking to grow your money over time, generate income in retirement or preserve your wealth for future generations, confidence in your financial plan comes with knowing your assets are invested well.

We can help you narrow the overwhelming number of investment opportunities to just the right ones for you, your family and your goals.

Cash management & borrowing

Financial planning is just as much about where you are today as it is about where you want to be tomorrow. That’s why we offer you a complete suite of cash management tools and borrowing options that give you the power to manage your day-to-day finances without disrupting your long-term financial plan.

You can enjoy all the features and convenience of a national bank with the personal service of someone you trust and who truly understands you and your financial goals.

It’s like having your bank and your investment firm in one place. In fact, that’s exactly what it is.

Banking and lending solutions are offered through Raymond James Bank, member FDIC, an affiliate of Raymond James Financial Services, Inc.

Business planning

You’re a leader, a visionary, an innovator who built a business into a success. Your business is a huge part of your life and your net worth, so you know, too, that there’s rarely a clear-cut line between your personal finances and your business’s balance sheet.

We understand business planning is not that different from personal financial planning – it is the daily management and balance of investments and risk, and planning for the future. It is about setting goals, employing the right strategies and tools to achieve them, and ultimately realizing the value that you’ve created.

You’ve worked hard to build your business. Let us help you along the way.

Risk management

As much as we don’t want it to be, risk is a part of life. And one of the most important facets of financial planning is protecting all that you have worked so hard to build. Fortunately, there are a number of ways to help manage risk when it comes to your financial plan. It just takes the right approach, a little discipline, and a lot of diligence to assess the risks that could derail your life goals, and be prepared for them.

Together, we can assess where your risk lies and determine your level of comfort with it. We will explore what actions and plans to put in place to provide the level of protection you need and can count on. It’s about establishing a safety net by regularly reviewing – and adjusting – your estate plan and insurance policies to make sure they meet your needs at every stage of your life.

We can help you protect your overall financial plan, your way of life and your ability to generate income even when the unexpected happens.

Investing involves risk and you may incur a profit or loss regardless of strategy selected.

Insurance and annuities offered through Raymond James Insurance Group. Raymond James Financial Services, Inc. is affiliated with Raymond James Insurance Group.

Asset preservation

There are prudent actions be implemented to help preserve assets from the erosive effects of taxes and other liabilities, and to help ensure assets pass according to your estate plan. One important matter is the proper titling of an asset. This determines your property rights during your lifetime and how the asset will transfer at death: according to your Will, by beneficiary designation or agreement, or according to state law. If asset titling is not coordinated with your estate plan, your estate plan may not be realized.

If one spouse works in an occupation or business that exposes him or her to greater potential liability, it may be a good idea to divide assets between spouses so that one spouse keeps only the income and assets from his or her job, while the other spouse takes sole ownership of valuable assets. Creditors can generally reach only those assets in the name of the spouse with the liability. These are examples of the asset preservation strategies we can explore with you to identify the ones that make the most sense for you.


The Iron Horse in History

The First Transcontinental Railroad was 1,907 miles long and connected the Eastern U.S. with the Pacific coast of the United States for the first time. Construction took place between 1863 and 1869, and was authorized by the Pacific Railroad Acts of 1862 and 1864. These dates are not coincidental. Since the southern Democrats who opposed the idea of a transcontinental railroad were absent from Congress due to the Civil War, the Republicans used the opportunity to vote for construction without them.

3000 Langley Avenue // Suite 200 // Pensacola, FL 32504 // T: 850.361.4978 // Map & Directions