Comprehensive services: To address all of your priorities

Your financial needs change over time, from accumulating wealth to planning for retirement to making your money last a lifetime. One constant, however, is our ability to help you pursue your goals throughout your entire 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.

Asset Allocation

Asset allocation is a long-term strategy designed to help investors achieve their financial goals without assuming undue risk. By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more time-tested, positive return over the long term. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.

Asset allocation does not ensure a profit nor protect against loss.

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 assets accumulated over your lifetime are preserved and used the way you intend. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next and mitigate related tax issues.

Financial Planning

There is much more to your life than simply transactions and returns. Similarly, there’s more to financial planning than just a portfolio and a retirement strategy. You have many things to plan for now, soon and well into the future, so we look at financial planning through a wide lens, and we develop strategies designed to keep you comfortable in the present while helping you reach your near- and long-term goals.

Retirement Planning

When it comes to planning for and living in retirement, patience and discipline are more than virtues – they’re necessities. While many people think in terms of that single date, the most important part of retirement is all the days that come after day one – because today’s retirements are more active, more complex and longer than ever before. We’ll help you plan for all the goals and stages of a full, long-term retirement by developing a comprehensive financial plan – for day one and on.

Tax Planning

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants, tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can improve your prospects for meeting your financial objectives.

Please note: changes in tax laws or regulations may occur at any time and 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.

Insurance & Annuities

Since insurance helps protect you 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.

Mutual Funds

Raymond James offers one of the largest selections of mutual fund families available from a single source. With more than 6,500 open-end mutual funds, its research analysts make extra efforts to evaluate individual mutual funds for our specific client needs. This includes responding to due diligence questions, providing general sales and marketing support, as well as coordinating field trips to marketing companies.


Bonds can play an important role in a well-diversified portfolio. They can provide predictable income and, most important, relative safety of principal.* Also, bonds may help minimize overall volatility. In determining a suitable allocation of bonds to your portfolio, we will consider factors such as your investment time horizon, risk tolerance, need for income and future goals.

* If held to maturity, subject to issuer credit risk. If sold prior to maturity, you will receive the then-current market value, which may be more or less than your initial investment.