A wealth of strategies for your life

Financial planning, investment management, retirement income planning and estate planning all play a vital role in your financial independence and well-being. Because of this, we focus our expertise on serving you in these areas. It’s our mission to have a strategy for all of the stages and significant events in your life, so you can continue enjoying the well-deserved lifestyle you’ve worked so hard to achieve.

Our goal is to help you preserve and manage what is most important to you and your family. Through our tactical approach to asset allocation and investment planning, we develop strategies that strive to help ensure:

  • Income needs are met over time.
  • Risk is managed in line with your goals and time horizon.
  • Your portfolio is designed to generate growth and outpace inflation.

As independent advisors, we have access to a full array of nonproprietary financial products and services to ensure that your assets are strategically and appropriately allocated, diversified and managed. We create plans that may include:

  • Fee-based asset management
  • Mutual funds
  • Stocks and bonds
  • Exchange-traded funds (ETFs)
  • Variable and fixed annuities
  • Savings strategies and goals planning

*Investing involves risk and you may incur a profit or loss regardless of strategy selected.

Whether you are in the accumulation phase or have already retired, a sound financial strategy is critical to:

  • Meeting your retirement income needs, desires and expenses
  • Maintaining lifestyle choices and priorities
  • Ensuring that long-term goals and aspirations are addressed, including travel, health care, estate planning, charitable giving and more

We can help you develop a comprehensive plan to:

  • Identify and pursue your lifetime income goals
  • Minimize taxes on income – now and during retirement
  • Evaluate the variables in your retirement plan to ensure alignment with your objectives

Nearly all financial decisions have tax ramifications. Tax liabilities associated with income, estate, gift, and various state, excise and sales taxes can take a meaningful toll on your wealth. Our team of experienced professionals can coordinate the various aspects of your financial plan to maximize tax-efficient strategies in line with achieving your overall financial goals.

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 help 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 might be able to someday transfer to your heirs.

Please note: changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Closing the gap on potential risks requires a comprehensive plan, beginning with a methodical evaluation of your potential risk factors.

That's why risk analysis is an integral part of our ongoing planning process. We continually identify and analyze your risk factors and make objective and unbiased recommendations to provide you with peace of mind and adequate protection. We provide:

  • Life insurance
  • Disability insurance
  • Long-term care insurance

When planning for healthcare needs in retirement, it’s important to keep in mind that:

  • Medicare is not nursing home insurance and does not cover long-term care.
  • Private medical insurance or Medicare supplement plans do not cover maintenance care.

Long-term care insurance can help you better manage healthcare costs while shifting the risk to an insurance provider. This helps ensure that your healthcare needs – and those of your loved ones – are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when you need them most.

Preserving wealth from one generation to the next may be one of your top priorities, but it can be complex and time-consuming. In addition, legacy planning often includes many nonmonetary considerations that need to be documented or communicated to loved ones.

Guidance from a competent, experienced advisor can go a long way toward helping make sure your financial success is shared with your family, friends and designated charitable organizations, according to your wishes.

We have helped generations of families develop wealth transfer strategies designed to reduce estate taxes while meeting specific legacy and charitable giving goals. We conduct a full assessment of short- and long-term tax and estate planning implications to help you achieve your specific objectives and take advantage of potential tax benefits offered by charitable giving for you and your heirs.

We can help you articulate your estate planning goals and will work closely with your tax and legal advisors to ensure your financial plan reflects your estate planning needs. Or, if you prefer, we can provide our own team of professional advisors adept at the intricacies of estate and tax planning. Whether you use a trust or another method for accomplishing your long-term estate planning goals, we can assist you in navigating today’s evolving tax and estate laws.

The best preparation for tomorrow is doing your best today.
H. Jackson Brown, Jr.