Guidance for life’s financial decisions

While we certainly devote considerable care and consideration to developing your portfolio, the holistic financial planning guidance we provide is designed to go far beyond just your investments to address every essential financial matter in your life. We are well-equipped with the knowledge and services to address all of your priorities – from managing and preserving your wealth, to leaving a legacy for your loved ones.

MANAGING YOUR WEALTH

At Steckler Wealth Management Group, we offer comprehensive wealth management services in order to best serve you and your family, today and for every significant milestone along life’s journey.

  • Asset management

    In today’s often complex marketplace, even the most sophisticated investor is challenged to keep up and respond to changing conditions. By utilizing asset allocation strategies and carefully selected money managers across a diverse range of equity and fixed-income disciplines, our goal is to provide you with an institutional-quality portfolio designed to help achieve financial objectives.

    Asset allocation does not guarantee a profit nor protect against losses.

  • Investment management

    Our objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We know that an appropriate asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.

    Asset allocation does not guarantee a profit nor protect against loss. Alternative Investments are not suitable for every investor. They involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.

  • Retirement planning

    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 or more 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 strategies, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset protection and reallocation.

  • 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.

    Depending on your situation, a Securities Based Line of Credit can be an ideal and flexible capital source that is easy to establish and maintain. A Margin loan offers another resourceful financing solution that is easy to set up, allowing you to determine your repayment schedule and the amounts all while leveraging your existing securities. We can avoid disrupting your long-term plan by working with a lending solutions consultant to identify opportunities to borrow against existing assets in Raymond James pledged accounts.1, 2

    1Margin 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 the net value of the client’s Capital Access account. The interest rates charged for Margin are determined by the amount borrowed. For additional information on margin, visit http://sec.gov/investor/pubs/margin.htm.

    2Securities 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 national bank.

    *Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James & Associates or 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.

  • Company and organizational retirement plans

    We work with many corporate, governmental, private and public sector retirement plans. A well-constructed plan is an ideal way for businesses and organizations to attract and retain quality staff and public sector employees, as well as help managers plan and save for their own futures. We can help you establish, manage and run the retirement plan that is right for you and your company or organization, whether it is a 401(k), 403(b), 457, defined benefit, profit sharing, SEP or similar employer-provided plan. In general, advantages of such plans include maximizing benefits and reducing taxes for you and other key staff members.

  • Sustainable Investing

    Through sustainable investing, not only can investors aim to make a positive impact on society and the environment, they can potentially improve the risk/return characteristics of their portfolios by factoring environmental, social and governance (ESG) criteria into their investment decisions.

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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.

  • Asset allocation

    Choosing the appropriate mix of asset classes can potentially help 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.

    There is no assurance that any investment strategy will be successful. Investing involves risk including the possible loss of capital. Asset allocation does not guarantee a profit or protect against a loss.

  • 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.

  • Insurance and annuities

    Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. We can provide life insurance, disability insurance, long-term care insurance and annuities to create an important layer of safety for you, your family or your business.

  • Tax strategies

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

BUILDING YOUR LEGACY

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.

  • 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. We can collaborate with your estate attorney and other qualified professionals to help ensure that your wishes are thoughtfully and precisely carried out.

  • Charitable giving

    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.

  • Trust services

    Through our affiliate Raymond James Trust, N.A., we offer a full array of trust structures – from irrevocable living trusts to special needs trusts – as well as charitable-giving tools that may provide tax advantages. Whether your goal is to minimize estate taxes, provide for loved ones, or dictate how you want your wishes to be carried out, we can help. We have helped many families and individuals with the important role of being a co-trustee or successor trustee. In collaboration with your estate attorney, we can help settle your estate and provide support for your family members.

  • 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 education 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 education 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 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.