Depending on your unique goals and individual tolerance for risk, we can help you explore available investment options – stocks, bonds, mutual funds – and how each might fit into your portfolio and your overall financial plan.

We know that a proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.

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

Today’s complex marketplace makes it challenging for even the most sophisticated investors to stay current, monitor their investments, and to respond properly to rapidly changing conditions. That’s why we’re pleased to offer asset management services.

Through this service, you can free yourself from the need to constantly monitor the asset allocation of your portfolio against the market. Instead, professionals skilled at risk profiling, institutional asset allocation, money management selection and investment policy development can help navigate the constantly changing environment for you.

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 mitigate your family’s tax burden. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

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.

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. That’s why 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.
Our comprehensive financial planning services include:

• Net-worth analysis
• Cash flow planning
• Strategic asset allocation
• Retirement planning
• Traditional IRAs
• Roth IRAs
• Qualified retirement plans
• Education planning
• 529 college savings plans
• Custodial accounts
• Trust and estate planning
• Insurance and annuities
• Liquidity and cash flow strategies
• Tax planning and liability management

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

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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 529 college savings accounts and specialized trust vehicles.

Long-term care insurance can help you preserve your savings and give you access to a range of care options. Nearly four in 10 people will need long-term care at some point during their lifetimes. Medicare provides only limited coverage and does not cover custodial care, the type older individuals often need.

Insurance helps protect you in case of accident, illness, disability or death, and 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 can discuss your 401(k) or 403(b) plan options if you plan to change companies or exit the workforce. You typically have four options (and may engage in a combination of these options): Leave the money in your former employer's plan, if permitted; roll over the assets to your new employer's plan, if permitted; roll over to an IRA; or cash out the account value.

Both employer plans and IRAs typically involve investment-related expenses and plan or account fees. Investment-related expenses may include sales loads, commissions, the expenses of any mutual funds in which assets are invested and investment advisory fees. Plan fees typically include plan administrative fees (e.g., recordkeeping, compliance, trustee fees) and fees for services such as access to a customer service representative. In some cases, employers pay for some or all of the plan's administrative expenses. An IRA's account fees may include, for example, administrative, account set-up and custodial fees.

The rewards of providing uncommon vision and leadership can be significant, but with them often come unique challenges and risks, such as highly concentrated stock positions. We can help you meet your comprehensive financial needs by leveraging the diverse resources of Raymond James:

• Personal financial solutions
• Financial and estate planning
• Tax planning
• Risk management
• Portfolio design and management
• Alternative investments
• Lending
• Insurance
• Education planning

Executive transactions:

• ESOPs
• Cashless stock option exercises
• Rule 144 executions
• 10b5-1 sales plans
• Hedging and monetization for concentrated equity positions

Corporate solutions:

• Share repurchase programs
• Corporate cash management
• 401(k) retirement programs
• Other retirement programs
• Executive benefit platforms