There’s 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 and well into the future, so we look at financial planning through a wide lens, and develop strategies designed to keep you comfortable in the present while helping you reach your long-term goals.
Our comprehensive financial planning services include:
- Net-worth analysis
- Cash flow planning
- Strategic asset allocation
- Retirement planning
- Traditional IRAs
- Roth IRAs
- Qualified retirement plans
- Company retirement plan rollovers
- Education planning
- Education savings accounts
- 529 college savings plans
- Custodial accounts
- Trust and estate planning
- Insurance and annuities
- Liquidity and cash flow strategies
- Tax planning and liability management
Addressing the complexities of wealth requires many things – seasoned guidance, a disciplined process, and access to a diversified collection of wealth management services that go far beyond just typical investment management – to serve you and your family, today and well into the future.
We employ a disciplined and coordinated approach to address all the issues and complexities that often accompany the accumulation and preservation of wealth. Our approach is customized to meet your needs and preferences, and designed to bring cohesiveness to your financial life.
Our wealth management services include:
- Wealth preservation and transfer strategies
- Risk management
- Liquidity management
- Charitable giving
- Management of concentrated asset positions
Enjoying your retirement takes careful preplanning and disciplined investing. We can help you with every phase. During your working years, the accumulation phase, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, the pre-retirement phase, we will assist you with critical decisions regarding options, your Social Security and tax planning. Once you are retired, we will discuss generating tax-efficient income and wealth transfer strategies designed to help you.
If your goals include providing for the future of a child or grandchild, we can help you investigate many options and develop an education funding strategy. We can help provide for this opportunity with investment vehicles such as 529 college savings accounts and specialized trust vehicles.
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. Asset allocation is a key component of our investment strategy, selecting a mix of asset classes that reflect your financial objectives, timeline and risk tolerance.
Asset allocation does not guarantee a profit or protect against a loss.
Long-term care insurance can help preserve your savings and give you access to a range of care options. Nearly four in ten people will need long-term care at some point during their lifetime. Medicare provides only limited coverage. It does not cover custodial care, which is often needed by older individuals.
We believe a comprehensive financial plan must consider and prepare for the unexpected – such as accidents, illnesses and disability. Our team helps you think ahead and consider different scenarios, then prepare contingency plans to address them. We understand that while risk cannot be eliminated, it can and should be mitigated. Our risk management services include life insurance, annuities, long-term care, and liability insurance.
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 the 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 offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next.
By coordinating our efforts with your tax and legal professionals as well as working closely with you and your family, we strive to help you establish a financial tradition that can be passed on for generations.
We take a tax-sensitive approach to financial planning. By developing and implementing strategies 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 may transfer to your heirs.
Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional. Tax Services are provided as a service of Jeffrey M. Siegel, CPA/PFS, and not as a service of Raymond James Financial Services.