Building an enduring plan for a lasting legacy

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 and CPA with a personalized plan that not only protects your assets but also helps you share your wealth with the people and charities you care about most.

Estate and Survivor Planning / Death of a Partner

Losing a family member, friend or loved one can be extremely emotional and challenging. Although we cannot plan for all eventualities, there are benefits in analyzing survivor outcomes, especially to support your desired lifestyle.

Coordinating with your attorney, we discuss and address estate planning issues such as how to title your assets, beneficiary designations and life insurance needs. Insurance is a valuable tool in protecting your family from unforeseen events that can compromise your financial future. As you go through different stages of life, it is important to re-examine the type and amount of insurance needed.

Income replacement is the most common reason to purchase life insurance. This may apply to a working spouse or to a non-working spouse who has a significant pension but a limited pension survivor benefit. For larger estates, life insurance may be used for wealth transfer, as well as providing immediate access to funds without having to sell existing assets.

You can be under-insured as well as over-insured, based on your budget and life situation. We will help you determine your insurance needs and offer solutions to fill any gaps.

  • Strengthen Your Legacy
  • Protect Your Legacy
  • Make Your Mark

Raymond James does not provide tax or accounting services.