Personalized wealth management

for a lifetime

Your needs are as individual as you are. And while you may need the same service as someone else, the way in which you need the service delivered is another story. That why we strive to personalize each service we deliver according to the specific need of the client who receives it. That’s why we take an individualized approach to our relationship with you – making us just as likely to know your child’s name or your spouse’s birthday as we would your net worth. It’s the best way we know to provide the services you need to pursue a lifetime of personal and financial objectives.

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, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.

As we continue to manage your assets and portfolio, we are committing ourselves to act on your behalf and in your best interests. You set the direction and goals, while our experienced team works together to ensure proper execution of our strategy – based on your goals, risk appetite and investment timeline. Ongoing communication and transparency help to ensure the strategy and portfolio remain consistent with your objectives and preferences.

Asset allocation does not ensure a profit nor protect against loss. International investing involves additional risks such as currency fluctuations, differing financial accounting standards, and possible political and economic instability. These risks are greater in emerging markets. The market value of fixed income securities may be affected by several risks including interest rate risk, default or credit risk, and liquidity risk. The value of real estate investments may be adversely affected by several factors, including supply and demand, rising interest rates, property taxes, and changes in the national, state and local economic climate. Alternative investment strategies involve greater risks and are only appropriate for the most sophisticated, knowledgeable and wealthiest of investors.

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 assets accumulated over your lifetime are preserved for the use you have intended. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

There’s much more to your life than simple transactions and returns. Similarly, there’s more to financial planning than just a portfolio and a retirement strategy. You have many things to plan for now, soon and well into the future, so we look at financial planning through a wide lens, and we develop strategies designed to keep you comfortable in the present while helping you reach your near- 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. You aspire to stay in your home as long as you want and be able to leave behind the legacy you had envisioned. We can help you prepare for this most significant milestone in life.

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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 Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.

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 and disability 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 to lessen or shift current and future tax liabilities, we can 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 will be able to someday transfer to your heirs. Keep in mind 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.

We use a coordinated approach to address all the issues and complexities that accompany wealth management. Because our services are designed to bring cohesiveness to your financial life, we are happy to collaborate with your other professional advisors such as your CPA and attorney.

Knowing what you have coming in and how it’s going out is a smart way to optimize management of all your income. Cash flow analysis tracks your sources of income, uses of income, and the difference between the two.

From retirement planning to education funding to home mortgages, liabilities are unique from individual to individual. In order to determine the appropriate asset allocation to help meet liabilities such as these, taxes and risk preferences are taken into account in the asset allocation process.

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

We believe a comprehensive financial plan must consider and prepare for the unexpected – such as accidents, illnesses and disability. Our team helps 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.