A full range of services to address your financial needs

We are well-equipped with the knowledge and services to address the financial priorities in your life – from managing and preserving your wealth, to leaving a legacy for your loved ones.

Our advisors offer comprehensive wealth management services that go far beyond just typical investment management to address every essential matter than 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.

Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax planning, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset preservation and reallocation.

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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.

*The personal line of credit is through a margin account.

*Banking and lending solutions provided by Raymond James Bank, N.A. Raymond James Financial Services is affiliated with Raymond James Bank, N.A., a federally chartered national bank. Unless otherwise specified, products purchased from or held at Raymond James Financial Services are not insured by the FDIC, 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.

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.

Your firm has recognized the contributions you have made to its success by granting you options to purchase company stock. We can help you carefully consider decisions regarding your stock options, such as timing the exercise, how to complete the transaction and choosing to hold or sell the acquired shares.

If you retire or change jobs, rolling over your retirement assets to an IRA can be a good move. It is a non-taxable event when done properly, gives you access to a wide range of investments, and offers the convenience of consolidating your savings in a single location.

If an objective of your IRA is to provide for your beneficiaries, you may be interested in what are called stretch provisions. These provisions, when written into your IRA plan document, will allow your beneficiaries to take distributions over their life expectancy as outlined in the Internal Revenue Code. Some stretch provisions will allow you to designate second-, third- or even fourth-generation beneficiaries, if life expectancy allows for it.

In addition to rolling over your 401(k) to an IRA, there are other options. We can help you determine which is most suitable for your specific situation. Here is a brief look at all the choices.

  • Leave money in your former employer’s plan (if permitted) You may choose to leave your money where it is if the investments offered are to your liking, and there is no additional fee for leaving your money in the plan. (The typical internal expenses still apply.) It is not a taxable event.
  • Roll over the assets to your new employer’s plan (if available and permitted) It’s also not a taxable event, and keeping all your money together in one place means you have a larger sum of money working for you. There is also the benefit of convenience. Keep in mind, however, that not all employer plans accept rollovers.
  • Roll over to an IRA As discussed above, this is not a taxable event. There is the convenience factor of consolidating your accounts, and you will likely have more investment options. 401(k) plans usually do not have a rollover fee or termination fee.
  • Cash out the account This is a taxable event, and, of course, there is also the loss of investing potential. It is even more costly if you are under the age of 59½; in addition to income taxes, there is a penalty of 10%.

Both employer plans and IRAs typically involve investment-related expenses and plan or account fees. Investment-related expenses may include sales loads, commissions, the expenses of any mutual funds in which assets are invested and investment advisory fees. Plan fees typically include plan administrative fees (e.g., recordkeeping, compliance, trustee fees) and fees for services such as access to a customer service representative. In some cases, employers pay for some or all of the plan’s administrative expenses. An IRA’s account fees may include, for example, administrative, account set-up and custodial fees.

You should carefully consider all of your available options and the applicable fees and features of each before moving your retirement assets.

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.

Asset allocation is one of the most important single determinants of overall investment performance and risk.* Choosing the appropriate mix of asset classes can also significantly reduce portfolio volatility. We make asset allocation a key component of our investment strategy, selecting a mix of asset classes that reflects your financial objectives, timeline and risk tolerance.

*Asset allocation does not guarantee a profit or protect against a loss.

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.

Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. Raymond James provides a wide array of quality insurance alternatives, including life insurance, long-term care insurance and annuities. They can offer an important layer of safety for you, your family or your business.

Seventy percent of people turning 65 can expect to use some form of long-term care during their lives.* Medicare provides only limited coverage and does not cover custodial care, the type older individuals often need. We can help you secure long-term care insurance to help you preserve your savings and give you access to a range of care options.

*Source: U.S. Department of Health and Human Services; LongTermCare.gov These policies have exclusions and/or limitations. The cost and availability of LTC insurance depend on factors such as age, health, and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of LTC insurance. Guarantees are based on the claims paying ability of the insurance company.

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 RJA, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

When it's finally time to leave this world, what do you want to leave behind? How do you want to be remembered and who do you want to help? The wisest of people understand the impact of making their mark and making a difference. We can help you do just that. By collaborating with your tax and legal professionals, we can help develop a plan that enables you to maintain your lifestyle now while leaving a meaningful legacy long after you're gone.

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.

Giving cannot only help the organizations you choose, but can also generate personal tax benefits and advance your wealth management plan. We can help you with solutions that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.

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.