Personalized wealth planning

Our disciplined planning process accounts for your short- and long-term goals, your tolerance for risk and your stage of life while keeping a watchful eye on today’s complex domestic and global markets. Applying this information, we will customize a comprehensive, diversified portfolio designed to be flexible enough to meet your needs now and in the years to come.

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. Diversification does not guarantee a profit nor protect against loss.

Having the money you need to live in retirement 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. Because people are living longer today, the possibility of going 30 years after you stop working takes careful retirement income planning and disciplined investing. We can create a plan for sustainable monthly withdrawals from your investment portfolio designed to make your money last your lifetime.

Retirement concerns are not solely about financial matters but also about quality of life and levels of independence. It’s why we also provide longevity planning to address important issues associated with aging and the effects of increasing life expectancies. There are many 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 them.

Building and managing a successful business while staying true to your entrepreneurial vision is definitely a full-time initiative, which leaves little or no time for your personal financial matters. We can help you with both. By understanding your business and goals, we can address a wide variety of important needs during all stages of your business and your life. Whether looking for solutions for employee retention, insurance and financing, or help with asset preservation, tax and estate planning, we can help now and in the future as you look to create an exit plan for your eventual transfer of wealth.

Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.

Funding a child’s or grandchild’s higher education 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. Any 529 plans offered outside their resident state may not provide the same tax benefits as those offered within their state.

Your goals and needs are unique, so we believe your investment strategy should follow suit. We offer access to a wealth of high-quality investment opportunities to fit your objective, whether it is growth, capital preservation, income or philanthropy. Our investment objectives are to preserve your wealth, achieve a reasonable rate of return and counter the erosive effects of inflation and taxes. Our offerings include stocks, bonds and other fixed income investments, mutual funds, exchange traded funds, annuities, separately managed accounts and more.

Insurance and annuities offered through Raymond James Insurance Solutions. Raymond James & Associates, Inc., is affiliated with Raymond James Insurance Solutions.

We assess the risks that could derail your life goals and build a contingency plan to help limit the effects, exploring what actions to put in place to potentially mitigate risk. We will endeavor to uncover blind spots in your portfolio and mitigate the risks, such as having too much invested in a specific sector or stock, and evaluate life insurance, disability and long-term care to cover risk in the event of disability or early death.

These policies have exclusions and/or limitations. The cost and availability of long-term care 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 long-term care insurance. Guarantees are based on the claims paying ability of the insurance company.

Proper estate planning can help ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended. Charitable giving can help the organizations you choose, and also generate personal tax benefits and advance your wealth management plan. We can help you with solutions that include private family foundations, charitable trusts, charitable gift annuities, pooled income funds and donor advised funds. Through our affiliate, Raymond James Trust, N.A., we offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. We find philanthropy to be another essential tool in teaching heirs about the value of money. We partner with our clients to create a process of giving that includes crafting a family mission statement to establish family goals and objectives.

Wealth transfer comes in many forms, from handing down a business you’ve painstakingly built, to passing along an estate to your heirs, to providing an endowment to a beloved charity. Our experienced team can assist you with estate and legacy planning, including helping you optimize your assets, manage tax implications and determine the course most appropriate to your situation.

How you borrow and manage cash can be as important to the success of your wealth plan as having the appropriate investment strategy. That’s why we offer you a complete suite of cash management and lending tools that give you the power to take advantage of your unique opportunities.

Lending solutions offered by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. Raymond James & Associates, Inc., and your Raymond James financial advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be put into contact with a Raymond James Bank employee for your residential mortgage needs.

No matter where your business stands in its life cycle, our team stands ready to help you move it forward. In addition to introducing you to experienced industry bankers and advisory and capital markets services, we can connect you to the specific support and resources you need for continued success. Our services include mergers and acquisitions, recapitalization and restructuring, private capital solutions, debt capital markets and equity capital markets.

There are many scenarios that can lead to a concentrated stock position, and monetization strategies can be effective solutions for potentially optimizing your portfolio’s performance and providing needed liquidity. We implement strategies to attempt to mitigate potential risk while staying aligned with your goals. Our team is knowledgeable about tax and regulatory standards. We understand the many factors our clients must consider while managing their options and offer the resources and expertise to ensure seamless and efficient execution.

Raymond James does not provide tax services. Please discuss these matters with the appropriate professional.