Life is constantly evolving. Divorce or death of a spouse, becoming a caretaker for aging parents or even a sudden wealth event can all upset the status quo and call for prudent action. We have helped many families make successful transitions during these times and stand ready to offer our guidance to you should the need arise.


Few events in life are as stressful as going through divorce.  Divorce financial planning can help safeguard your financial wellbeing at a time when you’re feeling overwhelmed, confused, angry or depressed.  An otherwise competent person may become immobilized by the question marks surrounding a divorce.  Can I afford to keep the marital home?  How do we divide our debts?  What are the tax implications of alimony versus child support?  What is the cost basis of our property?

We help our clients and their attorneys avoid the common financial pitfalls of divorce by offering valuable insight into the pros and cons of different settlement proposals.  We analyze and examine the various potential outcomes to help offer our client’s peace of mind that their settlement will be financially feasible for them, not only today, but years down the road.

Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. While we are familiar with the tax provisions of the issues presented herein, 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.

Loss of a loved one

The death of a spouse has major financial ramifications – and they come at a time of great emotional duress. In addition to the shock and grief, there are medical and funeral bills to pay. There are decisions to be made regarding Social Security, life insurance proceeds and the financial account retitling.

There is no reason to face financial matters alone or make guesses regarding your investments during this sensitive time of transition. We can serve as trusted, knowledgeable partners in setting a customized course toward your future, identifying which needs to address today while setting and working toward your goals for tomorrow.

Caring for parents

At some point in your life, you may find that you and your parents have switched roles – you are now tasked with caring for the ones who took care of you. It can be not only emotionally difficult, but financially challenging as well. We can help guide you with the management of assets, the evaluation of expenses, and important issues such as long-term care, life insurance and Medicare supplement insurance.

Sudden wealth

Sources of sudden money include lawsuit judgments, divorces, business sales, inheritances, retirement packages and stock options. It is certainly exciting to experience sudden money, but with it can come significant financial, tax and emotional issues that, if not properly dealt with, can cause this sudden wealth to disappear as quickly as it came.

We can help you manage your assets and prioritize your spending to help ensure that your newly gained wealth can serve you well over the long term.