Services Essential To Your Financial Life
Your financial needs change over time, from accumulating wealth to planning for retirement and making your money last as long as possible through retirement. We offer a wide range of services designed to cover every aspect of your financial needs during every stage of your life. You can count on us for many financial-related possibilities you will encounter.
There is much more to your life than simple transactions and returns. Similarly, there is more to financial planning than just a portfolio and a retirement strategy. You have many things to plan for now, and well into the future, so we look at financial planning through a wide lens, and we develop strategies designed to help keep you comfortable in the present while helping you reach your near and long-term goals.
Our comprehensive planning process helps the families we serve to align their financial decisions with their unique vision of retirement and other highly personalized goals. We will work with you to identify and craft your goals to assess appropriate asset allocation targets, spending or savings rates – and then share the results with you. Most importantly, our planning process doesn’t stop once your plan is completed, that’s simply the beginning. Our process has been specifically developed to help our families monitor their goals and make course corrections as needed along the way to help ensure they maintain the highest probability of success in reaching each one.
In general, people are living longer today. The possibility of going 30 years without a paycheck takes careful planning and disciplined investing. We can help you with every phase of planning for your retirement. During your working years, we’ll develop and maintain a wealth accumulation plan based on your specific goals and objectives.
As you approach retirement, we will assist you with critical decisions regarding retirement plan options, Social Security, Medicare, and tax planning. In addition, transitioning your portfolio allocation from accumulation to distribution as you phase into retirement is a critical process that is often overlooked. Once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.
*Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Asset allocation is a long-term strategy designed to help investors achieve their financial goals without assuming undue risk. 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 and your specific objectives matched to the goals you wish to achieve, your portfolio may include domestic and global stocks, fixed income, real estate, and alternative investments.
A business exit or succession plan helps you address and resolve many important considerations. Should you transfer ownership to family members or employees or perhaps an outside party? Should you have an orderly plan in place in the event of an unexpected and incapacitating health event or your death? What is the best way to pull money out of the business in a tax-efficient manner?
We help you answer these important questions by building a solid business succession plan to help smooth the transition.
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 reduce any added frustration during a time of loss and mitigate unnecessary tax burdens.
We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next and any related tax issues. Even with the most carefully crafted plans, often asset ownership and beneficiary designations are not properly aligned with existing estate plan documents. We can provide a review of such plans to ensure that any further adjustments to asset titling and beneficiary designations fit your intentions. 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.
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 provide for this opportunity with investment vehicles such as education savings accounts, 529 college savings accounts and specialized trust vehicles.
We are committed to giving your company executives and valued employees the guidance and educational resources they need. We also help company owners and plan sponsors understand their fiduciary responsibilities, while addressing the many issues and decisions that come with establishing and managing a well-run company retirement plan.
For the families that we serve, we help to research and design, implement, and review their company’s retirement plan. We can help you establish and maintain a wide range of qualified retirement plans and nonqualified deferred compensation plans.
The needs of corporate executives often require specialized planning in order to reduce taxes and manage retirement resources within unique plans and benefits available to them. Our team focuses on building plans around each of the following unique planning needs may executives face:
- Concentrated Equity Strategies
- ESOPS & ESPPs
- Rule 144 Executions
- 10b5-1 Plans
- Fixed and variable annuities
- Restricted Stock & Stock Options Analysis
- 83(b) Elections
- Deferred Compensation Planning
Like other significant events, marriage or divorce requires careful planning in order to successfully navigate this stage in life. A marital transition can greatly affect you and your family not only emotionally, but financially as well. Whether you are newly married, recently divorced or presently going through a divorce, we can guide you through the financial issues of managing / dividing assets and taxes – giving you an opportunity to move forward with your life.
It’s essential to set goals and equally as important to maintain their progress over time. Goal Planning & Monitoring is the name of an innovative financial planning software solution from Raymond James that can help align financial decisions with your unique vision of retirement and other highly personalized goals. We’ll identify your goals to align them with your asset allocation, spending or saving rates – and then share the results with you.