Financial & Retirement Planning

Planning for retirement living, emphasis on living

Your goal, simply stated, is to build up enough assets to provide adequate income to meet your needs through retirement. Whether you’re still early in your career or just a few years away from retirement, Raymond James has the resources to plan for the retirement lifestyle you want.

We offer a comprehensive range of retirement planning services, for individuals as well as businesses seeking to provide savings vehicles for their hardworking employees. We offer savings options that permit both tax-deductible contributions and tax-deferred earnings, as well as a dedicated and knowledgeable staff to help with planning.

We work diligently to serve as a steward for your wealth, simplifying life’s complexities with a full spectrum of strategies your advisor can tailor to your needs.

Withdrawals may be subject to income taxes, and prior to age 59 1/2 a 10% federal penalty tax may apply.

Goal Planning

A plan to turn your vision into reality

You have a detailed vision for what you want your life to be. To realize that vision, you’ll need a plan just as detailed. Your Raymond James advisor will work closely with you to understand your personal goals – when you want to retire, where you want to live, what type of home you want, what activities interest you, what sights you want to see. Careful consideration will be given to the variables involved and how to make the most of your resources. We have the tools and resources to develop a plan that gives you the chance to achieve your goals.

Personal Retirement Planning

Planning services to help your money work smarter

The retirement landscape is changing, with future generations of retirees facing longer lifespans and greater dependence on personal savings to secure a comfortable future. You’ll need income beyond your working years. But how much? And from what sources? At Raymond James, we can assist you in allocating your resources, with consideration given to tax implications that could make your money go farther. We can help manage your cash flow – now and well into tomorrow.

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

Retirement Accounts for Businesses

Planning services to help businesses run smoother

Staying abreast of regulations and the latest investment trends takes time. A Raymond James advisor has access to resources that can extend the capabilities of your management team to administer a retirement plan that supports your institution and workforce. We offer comprehensive guidance by helping you conduct thorough provider searches, monitor plan performance and provide independent investment consulting.

Education Savings Accounts

Planning services to help students aim higher

When it comes to the high cost of higher education, there are a variety of investment vehicles and loan options that can alleviate the financial burden. At Raymond James, our advisors can help you analyze the tax benefits, ownership structure, risk and contribution limits involved – even what to do with your leftover funds if your aspiring academic earns a scholarship.

College Planning

Earnings in 529 plans are not subject to federal tax and in most cases state tax, as 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.

An investor should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program.


Commentary & Insights

Family  |  May 23, 2017
Choosing the trustee for a special needs trust

When selecting who should take on this important role, there are several factors you should consider.

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Lifestyle  |  May 16, 2017
Small steps to a better you

Small investments in your physical and mental health may really pay off.

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Business Owners  |  May 15, 2017
Selecting an IRA to benefit your business

A sponsored IRA might be just the thing to help your staff save for retirement.

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