Services essential to your financial life

“The aim of art is to represent not the outward appearance of things, but their inward significance.”
– Aristotle

We offer a wide range of services to cover every aspect of your financial needs during every stage of your life. You can count on us for financial-related events and eventualities you encounter.

Personalized goal-based planning

We help align financial decisions with your unique vision of retirement and other highly personalized goals by augmenting our expertise with Goal Planning & Monitoring software from Raymond James. We’ll identify and enter your goals to assess appropriate asset allocation targets, spending or savings rates, and the probability of achieving those goals – then share the results with you and use this information to tailor a financial plan to you.

View the Goal Planning & Monitoring video

Retirement planning

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing. We can help you with every phase of planning for your retirement. During your working years, the accumulation phase, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, the pre-retirement phase, we’ll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. Then once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.

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Estate planning

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 preserved for the use you have intended.

A well-designed estate plan can effectively help mitigate your family’s tax burden. We can offer financial strategies designed to manage efficiently the transfer of wealth from one generation to the next, and mitigate related tax issues.

By coordinating with your tax and legal professionals, we can conduct estate continuation and continuity planning to develop the best approach for leaving an estate to heirs. This can include reviewing estate documents, health care power of attorney, living wills, beneficiary designations and tax analysis.

Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Charitable planning

Philanthropy can bring personal satisfaction, enabling you to support causes and organizations that matter most to you. It can result in significant tax advantages, as well – including income tax deductions, reduction of capital gains taxes, and lower estate taxes. We can help tailor a charitable giving plan for you that can include the gifting of appreciated securities and investments, charitable remainder and charitable bequests.

Insurance planning

Since insurance helps protect you and your family in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James, we can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization.

For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance and combine protection and tax-advantaged growth opportunities with annuities.