A full range of services to meet your financial needs

We offer a wide range of services to support every aspect of your financial needs during every stage of your life. You can count on us to help select the services that best fit your situation today, as well as for what you'll encounter in the future.

Retirement planning

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement planning and disciplined investing. Once in retirement, preserving your wealth and maintaining your lifestyle are likely among your highest priorities. You aspire to stay in your home as long as you want and to perhaps be able to leave behind the legacy you had envisioned. We can help you prepare for this most significant milestone in life.

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Longevity planning

As we get older, our circumstances continue to change, sometimes rapidly. What doesn’t change is the need to feel independent, to have social connections that enrich our lives and to be able to do the activities that bring us joy. Financial planning that can meaningfully address these quality of life issues can make all the difference.

We can help you sort through the possibilities and offer financial advice designed to guide you up to and through the retirement you’ve envisioned.


The right place for you

Even in retirement, housing remains the largest spending category. Where we choose to call home is an important decision, and one that deserves serious thought. Most retirees want to age in place. In a recent AARP survey, 89% of those 50 and older said they want to continue living in their homes indefinitely. However, there are a number of other options in retirement, and it’s best to think about the issue before it becomes an immediate need.

Points to consider:

  • Do you want to stay in your home? Will it need to be modified?
  • What housing options are available to you, and what will they cost?
  • Would you want to downsize? Relocate to a pedestrian-friendly neighborhood

Safeguard your well-being

Your finances and your health are intertwined in complex ways. And as you age, health issues and their associated costs tend to add up. Consider that the average couple at age 65 can expect healthcare costs of $266,000 over a 20-year retirement – and that number doesn’t include any chronic conditions or health emergencies, according to the Employee Benefit Research Institute. An important part of financial planning is to help ensure that healthcare costs don’t become a drain on your quality of life.

Points to consider:

  • What will the treatment of existing medical conditions cost over the long term?
  • Do you know what costs Medicare will cover?
  • Should you consider long-term care insurance?

Addressing the need for TLC

It’s a sobering statistic: 70% of Americans age 65 (in 2014) will need some kind of long-term care during their lives, according to the Department of Health and Human Services. At some point, you may be providing care or receiving care, so this must be taken into account in long-term financial planning.

Points to consider:

  • Do you understand the full impact of being a caregiver?
  • How will you get the care you need as you age?
  • Is long-term care insurance a good idea for you?

Go where you want to

It may come as a surprise, but transportation is the second largest expense for individuals older than 65 and accounts for about 15% of their annual expenditures, according to the Bureau of Labor Statistics. That’s why we make sure to account for it as part of your long-term financial plan.

Points to consider:

  • How will you get to your favorite places in retirement?
  • Who will assist you if you can’t drive yourself somewhere?
  • What transportation options are available in your area?
Insurance planning

Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James and our own access to more than several dozen insurance companies, we can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization. For example, we can help you build a protective cushion with life insurance, disability insurance, and preserve your estate and autonomy with long-term care insurance and combine asset protection and tax-advantaged growth opportunities with annuities.

Estate and trust planning

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 your 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 can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial tradition that can be passed on for generations.

Investment planning

We will customize a personal investment strategy based on factors such as your objectives, time horizon and risk tolerance, then evaluate your current holdings and allocate your assets in a diverse variety of sectors and investments designed to increase the likelihood of generating a consistent return over the long term while attempting to minimize risk.

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

Tax planning

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants, tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can 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 be able to someday transfer to your heirs. Keep in mind that tax laws are often complex and frequently change.

Please note: changes in tax laws or regulations may occur at any time and 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.

College planning

If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop and manage an education funding strategy. We can help you provide for this opportunity with investment vehicles such as UTMAs, 529 college savings accounts and specialized trust vehicles.

Retirement plans

As independent financial advisors and entrepreneurs ourselves, we understand your retirement needs don’t end with you and your family – you have a team of employees to consider. From small business owners to physicians and attorneys as well as other professionals in private practice, we work with a variety of companies to provide the retirement resources, education and planning they need for themselves and their employees.

We can assist in establishing and maintaining a variety of retirement plans:

  • Simplified employee pensions (SEPs)
  • Profit sharing plans
  • 401(k) plans
  • Owner only/one-person 401(k) plans
  • Defined benefit pensions

We call on both our professional expertise and our personal insight as we help you develop, introduce and manage a retirement plan suited to the needs of your business and the people who help make it successful.