Services essential to
your financial life

Your financial needs change over time, from accumulating wealth to planning for retirement and making your money last as long as possible through retirement. We offer a wide range of services designed to cover every aspect of your financial needs during every stage of your life. You can count on us for many financial-related events and eventualities you will encounter.

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 consistent, positive return over the long term. Depending on your risk tolerance, the economic environment and your specific objectives matched to the goals you wish to achieve, 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.

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 efficiently manage the transfer of wealth from one generation to the next and related tax issues.

By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial tradition that can be passed on for generations.

There is much more to your life than simple 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.

  • Portfolio optimization with advanced asset allocation, Investment Policy Statement and portfolio comparison
  • Goal construction and prioritization
  • Social Security, retirement Income and pension optimization
  • Medicare planning and long-term care strategies
  • 529 college plans and ESA accounts
  • Estate planning with trust and will review and charitable giving analysis
  • Tax planning with net unrealized appreciation analysis
  • Required minimum distribution review
  • Property and casualty and personal liability insurance review
  • Debt management, cash flow and budget analysis, and budget comparison and income allocation
  • Business planning with asset titling, key person review and incorporation analysis
  • Advanced asset planning with concentrated equity
  • Restricted stock analysis, stock option optimization and special asset testing
  • 401(k) and IRAs, Roth IRAs and business retirement plans
  • Asset management and fee-based accounts, utilizing world-class asset managers and individual securities
  • Alternative investments
  • Securities based lines of credit and margin Loans
  • Fixed and variable annuities
  • Long-term care insurance
  • Life insurance
  • Disability insurance
  • Cash management and banking services

*Margin or a securities based line of credit may not be suitable for all clients. The proceeds from a securities based line of credit cannot be used to purchase or carry margin securities. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client's securities without contacting them. The interest rates charged for a securities based line of credit are determined by the market value of pledged assets and Capital Access. The interest rates charged for margin are determined by the amount borrowed. For additional information on margin, visit

Securities based line of credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered savings bank.

In general, 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, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, we’ll assist you with critical decisions regarding retirement plan options, Social Security, Medicare and tax planning. In addition, transitioning your portfolio allocation from accumulation to distribution as you phase into retirement is a critical process that is often overlooked. Once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.


If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you provide for this opportunity with investment vehicles such as education savings accounts, 529 college savings accounts and specialized trust vehicles.

Like other significant events, marriage or divorce requires careful planning in order to successfully navigate this stage in life. A marital transition can greatly affect you and your family not only emotionally, but financially as well. Whether you are newly married, recently divorced or presently going through a divorce, we can guide you through the financial issues of managing / dividing assets and taxes – giving you an opportunity to move forward with your life.

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.

A business succession plan helps you address and resolve many important considerations. Should you transfer ownership to family members or employees or perhaps an outside party? Should you have an orderly plan in place in the event of an incapacitating health event or your death? What is the best way to pull money out of the business in a tax-efficient manner? We help you answer these important questions by building a solid business succession plan to help smooth the transition.

We are committed to giving your company executives and staff the guidance and educational resources they need. We also help company owners and plan sponsors understand their fiduciary responsibilities, while addressing the many issues and decisions that come with establishing and managing a well-run company retirement plan.

We can help you establish and maintain a wide range of qualified retirement plans and nonqualified deferred compensation plans:

  • 401(k) plans
  • 401(k) profit sharing plans
  • Safe-harbor 401(k) plans
  • Owner only / one-person 401(k) plans
  • Simplified employee pensions (SEPs)
  • Age-weighted / comparability profit sharing plans
  • Defined benefit pensions
  • Third-party administration (TPA) partnerships

It’s essential to set goals and equally as important to monitor their progress over time. Goal Planning & Monitoring is the name of an innovative financial planning software solution from Raymond James that can help align financial decisions with your unique vision of retirement and other highly personalized goals. We’ll identify and enter your goals to assess appropriate asset allocation targets, spending or savings rates – and then share the results with you.

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