How we serve your individual needs

Financial planning is not an investment product, but rather a process designed to help you pursue your goals by making smart decisions. It begins by evaluating your current financial situation, identifying and clarifying your goals, and then creating the appropriate plan for pursuing them. We look at planning through a wide lens and develop strategies designed to pursue all of your short- and long-term goals.

Preserving your wealth and maintaining your standard of living are among your highest priorities. 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, asset preservation and reallocation, account titling and beneficiaries, multigenerational wealth transfer and charitable giving. It’s a full complement of planning and preparation. Our goal is to do a thorough job the first time – so you only have to retire once.

Raymond James and its advisors do not offer tax advice. You should discuss any tax matters with the appropriate professional.

Asset allocation does not ensure a profit or protect against a loss.

Your goals and needs are personal to you, so we believe your investment strategy should follow suit. That’s why we offer a wealth of quality investment opportunities to help fit your objective, whether it is growth, capital preservation, income or other factors. Using our extensive experience, we can help guide you toward investments that are the right fit for your life. Our offerings include stocks, bonds and other fixed-income investments, mutual funds, exchange traded funds (ETFs), annuities, separately managed accounts and more.

There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Alternative investments involve specific 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. Investors should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements.

Our investment objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We believe that a proper allocation among different investments and asset classes can be an effective way to pursue your goals.

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.

A comprehensive financial plan must consider and prepare for the unexpected such as accidents, illnesses and disability. Our team will help 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, disability insurance, and liability insurance.

These policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.

Insurance and annuities offered through Raymond James Insurance Group. Raymond James Financial Services, Inc. is affiliated with Raymond James Insurance Group.

Retirement isn’t what it used to be. It’s longer. It’s more active. And it’s often harder to predict. It’s why we provide longevity planning, to help address important issues associated with aging and the effects of increasing life expectancies, as they relate to housing, healthcare, caregiving and transportation. There is a whole host of questions to consider.

Do you want to stay in your home? Who will assist you if you can’t drive yourself somewhere? How will you pay for what Medicare doesn’t cover? How will you get the care you need as you age? Should you consider long-term care insurance? We’re here to help you answer all of these questions, and more.

Are your estate planning documents getting dusty? By this we mean have you looked at them recently and updated any information that may warrant a change, such as your beneficiary list?

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.

Giving can not only help the organizations you choose, but can also generate personal tax benefits and advance your wealth management plan. We can help you with strategies that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.

Raymond James and its advisors do not offer tax advice. You should discuss any tax matters with the appropriate professional.

Funding your children’s or grandchildren’s college educations 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.

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

You may be like many others today who want their investment choices to reflect their social, political or spiritual philosophies. Socially responsible investing, known also as environmental, social and governance (ESG) investing, describes investment strategies that seek to accommodate your social, environmental and sustainability goals. We can recommend a variety of investments that can accommodate your personal views as well as your investment objectives.

Incorporating sustainable investing criteria into the investment selection process may result in investment performance deviating from other investment strategies or broad market benchmarks.