Financial strategies for navigating life’s changes

One certainty in life is that change is inevitable. We specialize in helping people in transition, whether it’s due to an inheritance, marriage, divorce or the death of a spouse. Each presents different issues, complexities and challenges that must be addressed. We understand the uncertainty these events can trigger and, most important, will be here to help you move forward.


Two people coming together also means the merger of two separate financial situations and unique attitudes toward investing. Important issues to address include financial goals, household budgets, managing debt and establishing an estate plan. We are experienced in addressing all the vital financial issues that can accompany a marriage.


Whether you are newly divorced or presently going through a divorce, we can guide you through the financial details of dividing assets and managing taxes – giving you an opportunity to move forward with your life. During your marriage, you have accumulated assets as well as liabilities. What might first appear as an equal distribution of an asset may not be after considering the original cost basis and tax consequences of liquidating or transferring the asset. We can collaborate with your divorce attorney.

Death of a spouse

In addition to the emotional turmoil, losing a spouse has major financial implications regarding issues such as life insurance proceeds, Social Security and the retitling of financial accounts. You may be managing your financial affairs on your own for the first time and concerned about having sufficient income to maintain your lifestyle. We are here to help you address these issues.


Those who inherit money must resist the urge for instant gratification, spending without regard for the future. We can serve as your voice of reason and help you create a financial plan that addresses both your short- and long-term goals. We would also advise you to meet with your legal advisor to update your will and estate plan and meet with your tax advisor to address the impact of receiving a generous sum of money.

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.

Our goal is for our clients to feel understood and cared for – and confident that working with us will serve them well.
Renee Bennett, Senior Registered Service Associate