Your financial needs change over time, from accumulating wealth to planning for retirement to making your money last as long as possible through retirement. One constant, however, is our ability to help you pursue your goals throughout your whole life. It’s this commitment to a comprehensive, integrated approach that allows us to provide the highest level of service and convenience for addressing the busy, multifaceted life you lead.

By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent, positive return over the long term. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.

Asset allocation and diversification do not ensure a profit or prevent against a loss. Alternative investment strategies involve greater risks and are only appropriate for the most sophisticated, knowledgeable and wealthiest of investors.

Raymond James provides access to professionals whose skills at risk profiling, institutional asset allocation, money management selection and investment policy development help navigate a constantly changing financial environment.

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, estate planning can help ensure that your assets are preserved for the purpose you have intended.

There is more to your life than simple transactions and returns. Similarly, there’s more to financial planning than just a portfolio and a retirement strategy, so we look at planning through a wide lens and develop strategies designed to pursue your short- and long-term goals.

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. We can help you prepare for this most significant milestone in life.


If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you with investment vehicles such as Coverdell Education Savings Accounts, 529 college savings plans and specialized trust vehicles.

If you’ve changed jobs or are retiring, rolling over your retirement assets to an IRA can be an excellent solution. It is a non-taxable event when done properly – and gives you access to a wide range of investments and the convenience of having consolidated your savings in a single location.

In addition, flexible beneficiary designations may allow for the continued tax-deferred investing of inherited IRA assets. We can handle all details for you, including contacting your former plan administrator, opening your new rollover IRA and completing the paperwork.

In addition to rolling over your 401(k) to an IRA, there are other options. Here is a brief look at all your options. For additional information and what is suitable for your particular situation, please consult us.

  • Leave money in your former employer's plan, if permitted
  • Roll over the assets to your new employer's plan, if one is available and it is permitted.
  • Rollover to an IRA.
  • Cash out the account.

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, 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, preserve your estate with long-term care insurance and combine protection and tax-advantaged growth opportunities with annuities.

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 designed to lessen or shift current and future tax liabilities, we can improve your prospects for meeting your financial objectives. Tax planning can also play a large role in the amount of wealth you will be able to someday transfer to your heirs. Please know 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.

With your knowledge and consent, we collaborate with your other professional advisors such as your CPA or attorney to help ensure that all your financial matters are addressed in a cohesive and well-coordinated manner. For example, we can work with your CPA to develop and implement strategies designed to lessen or shift current and future tax liabilities. We can also work with your attorney to develop an estate plan designed to enable you to maintain your lifestyle today while building a legacy for the future.

Managing debt and maintaining your lifestyle over the long term can be challenging. Without a reasonable budgeting plan, it is difficult to effectively manage spending. We can conduct a cash flow analysis to help you compare your income to your expenses and determine your net cash flow. This will help determine a realistic and appropriate monthly and annual budget.

Most people not only have assets that need to be managed, but liabilities such as debts, loans and mortgages as well. When one’s liabilities are greater than their assets, they can be considered highly leveraged – for instance, if they are a first-time house buyer with a high mortgage. If these liabilities are neglected or poorly managed, they can result in the liquidation of assets. We can help you monitor and manage the financial liabilities in your life to help ensure they don’t impact your financial well-being.

Risk analysis is the process of measuring and analyzing the risk associated with financial and investment decisions. It is important in making investment decisions because of the large amount of capital involved and the long-term nature of the investments being considered. The higher the risk associated with a proposed project, the greater the return that must be earned to compensate for that risk. We use several methods for the analysis of risk including simulation models and statistical software programs.