Retirement Planning

Seeds to Trees

Many elements contribute to healthy growth. Just like each single root feeds the larger tree, planning well for each aspect of your financial life will contribute to the overall vitality and longevity of your wealth. Every service we offer has a specific role to play in the building of your financial plan and investment portfolio, at different stages of your life. And in this section, you can see how those roles might play out, and what our team can do to help.

Planning for Retirement

Say you’re in your 20s, 30s, or 40s. Both you and your spouse are building successful careers and a healthy income, but the demands of managing your finances on your own are becoming, well, demanding. You don’t have the time or expertise to know for sure if you’re building retirement savings that can last in addition to meeting all your other goals.

We can help.

As a first step, we’d help you establish solid priorities. For instance, depending on your situation, you might place retirement savings first, college planning second, and saving for a home purchase third. Next, our team would work together to review your various accounts, analyze overall asset allocation, estimate your retirement income needs, and determine the rate at which you’re currently saving. Based on all these factors, we would make recommendations that might include repositioning your portfolio, selecting more attractive holdings/assets, consolidating your retirement accounts for easier tracking, and increasing your contributions.

To learn more about how we can help you plan for retirement, click here.

Asset allocation does not ensure a profit or protect against a loss.

Transitioning into Retirement

Say you’re a couple short years, or maybe even mere months, away from retirement. You’re feeling more than a little overwhelmed, and you face a number of very important decisions. How much can you withdraw from your accounts each month without risking outliving your assets? Should you take your pension as a lump sum or in the form of annuity payments?

We can help.

We’d begin by evaluating your expenses and dividing them into two categories: needs and wants. From there, our team would evaluate your current assets and sources of income, and also estimate what you can expect to earn from future income and returns, in order to calculate a sustainable withdrawal amount. We would also develop personalized strategies for how you should utilize pension funds and Social Security to maximize long-term benefits of each.

To learn more about how we can help you transition into retirement, click here.

Living in Retirement

Say you’re in your late 60s and already enjoying your retirement years. However, funds are beginning to get a little tight for you and your spouse, and if you overextend yourselves, running out of money might not be entirely outside the realm of possibility.

We can help.

The first thing we’d consider is your expenses, evaluating both needs and wants, and looking for opportunities to reduce spending. Then, our team would review your current financial situation, analyzing your current income, assets, and age to calculate a sustainable withdrawal rate. We’d also assess your existing portfolio and make our recommendations for how it might be restructured.

To learn more about how we can help you live well in retirement, click here.

Asset allocation does not ensure a profit or protect against a loss.

Estate and Trust Planning

Say you’re the main beneficiary of a trust that is generating plenty of income for you, but it’s falling short for the other three beneficiaries – your kids. You’d like to continue enjoying your current lifestyle, but you’d also like to ensure that your children and grandchildren are taken care of now and well into the future.

We can help.

Our team’s first order of business would be to meet the family – it’s vital in estate and trust planning situations to keep families on the same page. Next, we’d examine the trust documents as well as your overall financial picture and, if appropriate, seek out opportunities to redistribute the trust’s income and assets to better meet your family’s needs. In addition, we’d assess the tax outlook to determine if a new distribution strategy could result in tax benefits.

To learn more about how we help you transfer your income and assets to the next generation, or to an organization you are passionate about, contact us today.

Managing Wealth

Say you’re a widow in your 50s. You’ve inherited assets from your late husband and you’re receiving the Social Security survivor benefit, but overall, your portfolio is not generating enough for you to live on. After spending most of your adult life raising a family, re-entering the workforce seems like a daunting, but possibly necessary, prospect.

We can help.

We would begin with a thorough examination of your current portfolio, assessing the existing asset allocation strategy as well as the individual assets and securities themselves. Depending on our observations, we might recommend restructuring the portfolio to maintain the necessary income stream, being careful to avoid exposing you to any unnecessary risk.

To learn more about how we help you manage your wealth, contact us today.

Asset allocation does not ensure a profit or protect against a loss.

Saving for Education

Say you’re a young family. The day when your kids leave the nest is still a long way off, but you know it’s better to start planning sooner rather than later – especially when you have much more than college to plan for.

We can help.

We’d start by helping you clearly define and order your priorities. For instance, if you place a high emphasis on college, that may come first followed by saving for retirement and your other long-term goals. Next, our team would help you develop a savings strategy centered on planning for education, which in the long run might require you and your spouse to work longer or delay retirement. Then we would help you examine the available options and open the accounts that best suit your purposes.

To learn more about how we help you plan for your child’s or grandchild’s future, contact us today.

Protecting the Future

Say you are in your 70s. Your assets are generating ample income, and your focus is now shifting to preservation, specifically to protecting principal for your family.

We can help.

We’d begin by analyzing your portfolio, looking for ways to maintain necessary income while also reducing risk within the portfolio holdings. Potential solutions would involve rebalancing and repositioning to reflect less volatile investment holdings – bonds, blue-chip stocks, and insurance products – while still meeting your income requirements.

Diversification does not ensure a profit or guarantee against a loss.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.



Retirement Planning

Seeds to Trees


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