Deep financial planning.
Intentional planning serves as the catalyst for effective risk-taking.
Access to CERTIFIED FINANCIAL PLANNER® professionals
Individuals certified by the CFP® Board have taken the extra step to demonstrate their professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience and ethical requirements. They are obligated to put the interests of you, the client, ahead of their own. Built on a strong curriculum foundation, our advisors deliver a comprehensive, 360-degree approach to personal finances, ensuring no financial stone is unturned, with services encompassing investment management, retirement planning, tax strategies, and estate planning.
Detailed Retirement Income plans
Money is simply a tool. It is not a goal, and it is not an end. We complete an in-depth evaluation of your net worth and cash flows connected with intentional, directional dialogue to construct and design your plan. We commit to a full understanding of the balance sheet and beyond.
Tax Efficiency
We strategically place assets in tax-advantaged, taxable, and tax-free accounts based on their tax characteristics (asset location), selling investments at a loss to offset gains (tax-loss harvesting), and optimizing income and withdrawals to stay within favorable tax brackets (tax bracket management). Our retirees have clear direction on which accounts to draw from and why. Together, these strategies are designed to mitigate taxes and maximize after-tax returns.
College Planning
Essential for families seeking to invest in their next generation's success, providing access to quality education and ensuring that all doors remain open for future opportunities. By taking deliberate steps to finance all or a portion of one’s education, it transforms potential financial hurdles into a tailwind for future achievements.
Donor Advised Funds & Foundations
We leverage donor-advised funds (DAFs), private foundations, and charitable trusts to maximize the footprint of your philanthropic pursuits. We leverage these tools to help our clients connect their charitable goals with meaningful causes, creating lasting legacies that truly make a difference.
Investment management.
Driving growth and helping secure futures through agile investment strategies.
Indexed Investing Strategies
Portfolio construction strategy that aims to replicate the various market indices and emphasizes broad diversification, low costs, and long-term market appreciation.
Portfolio Growth Strategies
By assigning every dollar a purpose and timeline, we position short term idle cash to be working efficiency and long-term funds for growth—the oxygen of your financial ecosystem. Investors with a forward-looking approach address escalating costs, weakening currency values, and tax constraints as part of their strategy.
Custom Strategies
Whether managing concentrated positions, low basis stocks, or dynamic investments, we tailor to each family's unique goals and financial complexities. Wealth creation is powered by personalized precision, never a one-size-fits-all approach.
Strategic & Tactical Positioning
Our asset management process at its core is to provide broad market exposure with precise target allocations, rebalancing periodically to optimize long-term risk-adjusted returns—blended with sophisticated tactical adjustments. These adjustments dynamically shift US sector allocations based on real-time technical market analysis, macroeconomic indicators, and emerging opportunities. Combining our core passive strategic allocation with active tactical allocation offers foundational market exposure while adapting to market momentum changes.
Investment Cost & Yield Analysis
Expenses matter. We carefully evaluate and analyze investment expenses across your portfolio, keeping a watchful eye on the underlying costs, with the goal of building cost-efficient investment portfolios.
Family Office.
A strategy is only as good as your ability to articulate it.
Pre-Exit Planning
Our approach delivers targeted opportunities and resources to help business owners unlock the full potential of their life's work —their business— and transform the lifetime of effort designed to seek financial prosperity. For entrepreneurs whose net worth is deeply tied to their business, we guide you in preparing for a smooth transition that unleashes your business's true potential. Our goal in assisting with a transition is to help you with: securing your personal wealth, ensuring the long-term success of your business, and supporting the employees who contribute to its legacy.
Coordination of Tax & Legal team
Our advisory team acts as a central coordinator, ensuring consistent communication and integration across your financial ecosystem, including accountants, attorneys, private equity groups, and strategic partners. We align all stakeholders with your family's objectives and values, providing a cohesive strategy designed to sustain financial success and generational wealth management.
Complex family planning
We solve complex financial configurations, integrating diverse elements such as estate planning, tax strategies, investment management, and private equity coordination into a unified, strategic framework. Acting as a central hub, we ensure precise alignment across your financial and advisory teams, enabling efficient execution tailored to your family's multigenerational wealth objectives.
Legacy efforts
We cultivate relationships with your heirs, much like planting the roots of a towering pine tree, helping to ensure that your values, wealth, and legacy take hold and flourish over time. With a proactive approach to succession planning and next-generation engagement, we help your family's principles and impact grow into something lasting and magnificent for future generations.
Private Lending opportunities
We provide private lending opportunities, including pledged asset loans that allow clients to use their investment portfolios as collateral for liquidity without selling assets. Raymond James also offers custom lending solutions and private banking services, tailored for unique needs like significant purchases, estate planning, or intergenerational wealth transfers.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Rebalancing a non-retirement account could be a taxable event that may increase your tax liability. Prior to making an investment decision, please consult with your financial advisor about your individual situation.
Donors are urged to consult their attorneys, accountants or tax advisors with respect to questions relating to the deductibility of various types of contributions to a Donor-Advised Fund for federal and state tax purposes. To learn more about the potential risks and benefits of Donor Advised Funds, please contact us.
An index fund takes on the risk of the underlying index it tries to replicate and, as a result, if the index goes down value, the fund can lose value.A line of credit backed by securities, such as a securities based line of credit or a tailored line of credit, may not be suitable for all clients. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the Pledged Account(s) may be sold to meet the Collateral Call, and the firm may sell the client’s securities without contacting them. A client may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. In many cases, the firm may increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client may not be entitled to an extension of time on a Collateral Call. Increased market interest rates could also affect the applicable rate index that applies to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged are determined in part by (i) the market value of pledged assets and the net value of the client’s non-pledged Capital Access account or (ii) the line of credit amount as outlined in the Loan Agreement. Lines of credit are provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, Member FDIC.
