A full range of services to address all of your needs

We can assess appropriate asset allocation targets, spending or savings rates, and the probability of achieving your goals by utilizing Goal Planning & Monitoring, a proprietary planning software from Raymond James. This powerful resource, used in conjunction with our deep planning experience, helps us ensure that your goals and our strategy for pursuing them are well-defined.

IMPORTANT: The projections or other information generated by Goal Planning & Monitoring regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Goal Planning & Monitoring results may vary with each use and over time.

Your goals and needs are unique, and we believe your investment strategy should follow suit. We offer access to a wealth of high-quality investment opportunities to fit your objective, whether it is growth, capital preservation, income or other factors. Using our extensive experience with the various choices for your portfolio, we can help guide you toward investments that are the right fit for your circumstances. Our offerings include stocks, bonds and other fixed-income investments, mutual funds, exchange traded funds (ETFs), annuities, separately managed accounts and more.

There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss.

Preserving your wealth and maintaining your standard of living are among your highest priorities. People are living longer today, so 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 strategies, asset preservation and reallocation, account titling and beneficiaries, multigenerational wealth transfer and charitable giving.

The process of reallocation may result in tax consequences.

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 designed 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 will be able to someday transfer to your heirs.

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

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 529 college savings accounts and specialized trust vehicles.

Certain conditions may apply. Earnings in 529 plans are not subject to federal tax and in most cases state tax, as long as you use withdrawals for eligible education expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible education expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings. As with other investments, there are generally fees and expenses associated with participation in a 529 plan. There is also a risk that these plans may lose money or not perform well enough to cover education costs as anticipated. Most states offer their own 529 programs, which may provide advantages and benefits exclusively for their residents. An investor should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. Such benefits include financial aid, scholarship funds and protection from creditors. The tax implications can vary significantly from state to state.

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 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.

Through our affiliate, 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, provide for loved ones or dictate how you want your wishes to be carried out, we can help.

Charitable giving can bring great personal satisfaction, enabling you to support the causes and organizations that matter most to you. It can result in significant tax advantages as well – including mitigating income taxes, capital gains taxes and estate taxes. We design strategies to give you the confidence and clarity to benefit your family and the institutions and organizations you care about most.

How you borrow and manage cash can be as important to the success of your wealth plan as having the appropriate investment strategy. That’s why we offer you a complete suite of cash management, banking and lending tools that give you the power to take advantage of your unique opportunities.

Our services include lines of credit, cash sweep to brokerage accounts, automatic payment/fund transfer, Visa^® debit card, check writing, overdraft protection, rewards program and online account access.

Lending solutions offered by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. 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 put into contact with a Raymond James Bank employee for your residential mortgage needs.

Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. We can provide a full range of quality insurance alternatives that can offer an important layer of safety for you, your family or your business. We can build a protective cushion through life insurance, preserve your estate with long-term care insurance, and combine protection with tax-advantaged growth opportunities with annuities.

Insurance and annuities offered through Raymond James Insurance Group, an affiliate of Raymond James & Associates, Inc.

We offer monitoring services that proactively let you monitor your credit, financial accounts and Social Security number, and provide the knowledge and tools to protect your personal information from fraud, misrepresentation or theft.

With Raymond James Client Access, you can view your account statements, trade confirmations and shareholder communications securely online anytime from any internet-connected device.

We offer our insightful financial counsel to business executives who are officers that fall under Rule 144 and who have a controlling stake in their company. We help them with many different executive transactions, including restricted stock units, stock grants, stock options, rule 144 executions, 10b5-1 sales plans, net unrealized appreciation and hedging and monetization for concentrated equity positions.