A full range

of services to help meet your financial needs

Your financial needs change over time, from accumulating wealth to planning for retirement to making your money last as long as possible through retirement. One constant, however, is our ability to help you pursue your goals throughout your whole life. Through the full spectrum of financial services we offer, we can help you plan not only for a wide range of needs, but for the long succession of significant events that span your lifetime.

Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, 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 help preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset preservation and reallocation.

Our objectives are to help preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We know that a proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.

Asset allocation does not guarantee a profit nor protect against loss. Alternative Investments are not suitable for every investor. They involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.

A well-structured wealth management plan should include discussions about both sides of your personal balance sheet, including your borrowing and cash management needs. Raymond James offers a variety of options to complement the extensive investment services we provide, including personal lines of credit, investment accounts with check writing, online bill pay and enhanced reporting.*

In addition, we can assist in evaluating short-term interest bearing instruments such as municipal auction rate securities, brokered CDs, money market funds, and cash sweep options.

*Banking and lending solutions provided by Raymond James Bank, N.A. Raymond James Financial Services, Inc. is affiliated with Raymond James Bank, N.A., a federally chartered national bank. Unless otherwise specified, products purchased from or held at Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.

We can help you develop, implement and monitor a retirement or benefit plan that suits the needs of your business, as well as those of your employees. In addition, we can provide valuation analyses for businesses and ESOPs, as well as help you find appropriate insurance coverage for your company. For business owners seeking the most appropriate exit strategies, we can help you value your business, assess the tax implications and position your company for sale.

Preserving the wealth you’ve worked so hard to accumulate is another vital component of comprehensive wealth management. Our approach revolves around the concept of preserving principal, but most important, preserving purchasing power from the erosive effects of taxes and inflation. In addition, insurance can help protect you from the unexpected.

Lance Hocutt Financial Group can provide a wide array of quality insurance alternatives, including life insurance, long-term care insurance and annuities. These can offer an important layer of safety for you, your family or your business.

The goal of a well-executed estate plan is to control personal assets while passing them to heirs in the most efficient manner according to your goals and objectives. Raymond James provides a range of consulting services to help you and Lance Hocutt Financial Group develop an appropriate estate plan, including the use of specialty insurance products, complete trust services, strategies for minimizing estate tax obligations and more.

The challenge of giving charitably is to ensure your contributions benefit the organizations you choose as well as fulfill your overall wealth management plan. Lance Hocutt Financial Group can assist you in identifying appropriate assets for giving as well as ways to make the most of the tax benefits of such gifts. Among the strategies available to you are charitable remainder trusts, charitable lead trusts, charitable gift annuities, pooled-income and donor-advised funds.

Corporations, nonprofits and other institutions come to us for trusted investment guidance to help meet their financial objectives while remaining aligned with their organizational missions. Lance Hocutt Financial Group helps deliver all aspects of investment consulting, from investment policy review to investment search and selection, and fiduciary documentation to performance reporting.

While taking a conservative investment approach, Lance Hocutt Financial Group remains sensitive to the need for balancing risk aversion with generating sufficient returns so an institution can run its operations.