Caring For Your Financial Well-being

In today’s often complex marketplace, even the most sophisticated investor is challenged to keep up and respond to changing conditions. By utilizing asset allocation strategies and carefully selected money managers across a diverse range of equity and fixed-income disciplines, our goal is to provide you with an institutional-quality portfolio designed to help achieve financial objectives.

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

An appropriate use of alternative investments can serve as a source of reduced portfolio correlations, particularly in periods of market instability. They can add diversification to portfolios, offer enhanced return potential and provide access to exclusive investment talent. Examples of such investments include private equity, commodities, managed futures, structured products, hedge funds and real estate.

Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum-net-worth tests. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in alternative investments if you do not require a liquid investment and can bear the risk of substantial losses.

Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax planning, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset preservation and reallocation.

Executives of publicly traded companies are often faced with many unique challenges when managing their personal financial plans. They are often so busy with the demands of their careers that they are unable to devote the necessary time and attention to their personal financial matters. We offer guidance to corporate executives on key issues, including concentrated stock positions, stock option strategies, restricted securities, share repurchase programs, executive benefit platforms, equity based compensation, regulatory requirements and forms filing, company trading policies and estate planning.

We provide business owners with strategies to address the challenges of running a company, often the most important asset they own. We can provide experienced guidance in key areas such as asset preservation, cash management, employee retention programs, insurance, financing, business valuation and succession planning. Additionally, Raymond James is a leading investment bank that offers advisory services related to public offerings, mergers and acquisitions, and restructurings.

We understand the long hours you put into establishing and running a successful practice. You spend your days with clients or patients – you shouldn't also have to worry about managing your money. Yet it is imperative to make smart financial decisions.

Your unique requirements may include protecting assets from liability risk, tax planning, managing cash flow, mitigating the effects of healthcare cutbacks, managing education debt, valuating a firm or practice for purchase or sale and, ultimately, achieving financial independence.

You can rely on us to provide high-level expertise and advice for your personal financial matters and the needs of your firm or practice. We can serve as your trusted partner to help manage your investments, and mitigate your tax burden, while also addressing key issues such as estate planning, generational wealth transfer and your philanthropic efforts.

Through Raymond James, we offer personal lines of credit,* investment accounts with check writing, online bill payment, enhanced reporting and more. We also can assist you in evaluating short-term interest-bearing instruments such as brokered certificates of deposit and cash sweep options.

*The personal line of credit is through a margin account. Borrowing on margin and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash in the account. The securities in the account may be sold to meet the margin call, and the firm can sell the investors’ securities without contacting them. The interest rates charged are determined by the amount borrowed.
Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, member FDIC, a federally chartered national bank. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc. companies are not insured by the FDIC or any other government agency; are not deposits or other obligations of Raymond James Bank; are not guaranteed by Raymond James Bank; and are subject to investment risks, including possible loss of the principal invested