SERVICE CAPABILITIES for whatever life brings
We enjoy fostering lasting relationships with our clients, which means we’ve seen them through quite a bit, from growing their businesses and families to making that important transition into retirement. That’s why we’ve developed a comprehensive range of service offerings that can be tailored to your individual needs and goals. Whatever life brings your way, whether it’s a college education to fund, an unexpected health bill or a business to sell, we have the experience, knowledge and resources to see you through it all.
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MANAGING YOUR WEALTH
We believe our advisors offer comprehensive wealth management services that go far beyond just typical investment management to address every essential matter that money touches. It’s all in an effort to best serve you and your family, today and for every significant milestone along life’s journey.
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Investment management
Our approach to investment management is rooted in the investment process commonly implemented by foundations, endowments, and other institutional investment funds. We are fortunate to have access to the world class resources of Raymond James and the support of a team of highly qualified investment professionals to include institutional research and due diligence, portfolio strategy, asset management, and Equity Research Analytics.
After gaining an understanding of your financial picture, we’ll discuss the most efficient and appropriate investment allocation to meet your goals. Using a combination of asset classes and styles, we build a balanced and diversified portfolio for the long term that is designed to meet your objectives through the various market and economic cycles. We pay careful attention to volatility risk and cash flows, so that you can worry less about the day-to-day volatility of the financial markets.
Our belief is that a portfolio should have a core anchored in companies that have good cash flows and a history of providing above-market dividends. In addition, the individual companies in the portfolio have demonstrated an ability to increase their dividends on a regular basis, which we view as an attractive hedge against inflation.
To facilitate balance among economic sectors and to round out a portfolio with additional diversification, we typically utilize carefully selected mutual funds and/or Exchange Traded Funds (ETF’s) to gain exposure to additional asset classes to include small and mid-cap stocks, international stocks, emerging market stocks, commodities, and fixed income.
We believe a portfolio with good cash flow characteristics that is balanced across industry sectors and asset classes has the potential to deliver consistent returns over many different market environments.
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Retirement planning
Retirement is one of life’s most significant transitions. Without a regular paycheck, the need for careful planning and disciplined investing is paramount, especially since retirement lasts for over 30 years for many today. We have guided dozens of families into and through retirement, so we know what to expect and how to prepare.
In addition to crafting a plan for monthly distributions from your portfolio, we also assist with longevity planning, charitable giving, tax planning and multigenerational wealth transfer. It’s our privilege to help our clients feel confident about their future and their families’ future in retirement.
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401(k) plan options
When you change companies or exit the workforce, we stand ready to discuss all of your options. Our analysis includes available investments, tax ramifications, and planning strategies. We believe that we can provide clarity and perspective to guide these decisions.
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Credit, lending and cash management
Through Raymond James, we offer personal lines of credit*, investment accounts with check writing, online bill payment, enhanced reporting and more. We also can assist you in evaluating short-term interest-bearing instruments such as brokered certificates of deposit, and cash sweep options.
Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, member FDIC, a nationally chartered bank. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc. companies are not insured by the FDIC or any other government agency; are not deposits or other obligations of Raymond James Bank; are not guaranteed by Raymond James Bank; and are subject to investment risks, including possible loss of the principal invested.
*The personal line of credit is through a margin account. A margin account may not be suitable for all investors. Borrowing on margin and using securities as collateral involves a high degree of risk, and an investor can lose more funds than he or she deposited in the account. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash in the account. The securities in the account may be sold by the firm to meet the margin call, and the firm can sell the investor’s securities without contacting them. An investor is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a margin call. The firm can increase its maintenance margin requirements at any time and is not required to provide an investor advance written notice. An investor is not entitled to an extension of time on a margin call. The interest rates charged are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information.
Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, member FDIC, a nationally chartered bank. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc. companies are not insured by the FDIC or any other government agency; are not deposits or other obligations of Raymond James Bank; are not guaranteed by Raymond James Bank; and are subject to investment risks, including possible loss of the principal invested.
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Investment management
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PRESERVING YOUR WEALTH
Preserving your assets and managing risk take on added urgency when you’ve reached a certain level of wealth. Maintaining your standard of living, providing for your family, generating income with minimal tax consequences, and safeguarding your wealth against unexpected events are concerns that we address for you – so you can focus on enjoying your life.
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Asset allocation
Asset allocation is one of the most important single determinants of overall investment performance and risk.* Choosing the appropriate mix of asset classes may also significantly reduce portfolio volatility. We make asset allocation a key component of our investment strategy, selecting a mix of asset classes that is designed to reflect your financial objectives, timeline and risk tolerance.
*Source: Financial Analyst Journal. There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation and diversification do not ensure a profit or protect against a loss. Past performance is not indicative of future results.
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Concentrated equity strategies
Family wealth is often concentrated in a single stock, either inherited or earned during a successful business career. If you’re in this situation, there are many options available beyond simply selling the stock. Although mitigating the risk of a concentrated equity position can be complicated, we can provide a variety of strategies that can hedge, monetize, diversify or transfer the position while managing the tax implications.
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Insurance and annuities
Our team has significant experience working with insurance products, so we know the crucial role they play in your comprehensive financial plan. Raymond James provides a wide array of quality insurance alternatives, including life insurance, long-term care insurance, disability coverage and annuities. Risk management is crucial, so we carefully evaluate the best way to provide an additional layer of safety for you, your family or your business.
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Tax planning
We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants and tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies designed to lessen or shift current and future tax liabilities, we can help improve your prospects for meeting your financial objectives. In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.
While we are familiar with the tax provisions of the issues presented herein, as financial advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
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Asset allocation
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BUILDING YOUR LEGACY
How do you want to be remembered and who do you want to help? This is a question we enjoy discussing with many of our clients. If you’re passionate about using your wealth to make a meaningful impact long after you’re gone, we’ll help you develop a plan to do just that.
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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 ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.
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Charitable giving
Charitable causes are a high priority for many of our clients, and they find deep satisfaction in donating their time and resources. Our team excels in charitable planning for the highest benefit to the organization, while also maximizing personal tax benefits. We can help you with solutions that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.
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College planning
Funding a child’s or grandchild’s higher education can be a personally rewarding use of your wealth. We can help you provide for this opportunity with investment vehicles such as 529 college savings accounts and specialized trust vehicles.
Certain conditions may apply. Earnings in 529 plans are not subject to federal tax, and in most cases, state tax, so long as you use withdrawals for eligible college expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible college expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings. Investors should consider before investing, whether the investor’s or the designated beneficiary’s home state offers state tax or other benefits only available for investments in such state’s 529 college savings plan. Such benefits include financial aid, scholarship funds, and protection from creditors. 529 plans offered outside their resident state may not provide the same tax benefits as those offered within their state.
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Estate planning
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Longevity Planning
Many of today's retirees can expect to spend 30 years or more enjoying the fruits of their labor. That's why it's increasingly important not simply to plan for retirement, but to plan for longevity in retirement - all of the years it might last, all of the ways your life will change and all of the events you can't foresee.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™, 
