Your financial objectives may range from accumulating wealth to planning for retirement to making your money last as long as possible through retirement. In fact, over the course of your lifetime, you will undoubtedly pursue all of these goals. With the full range of financial services our advisors offer through Raymond James, we can help you be prepared for all the significant events of your life.
Because people are living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing. We can help you with every phase of planning for your retirement. During your working years, the accumulation phase, we’ll develop and monitor a wealth accumulation plan to help you achieve your specific goals and objectives while mitigating risk. As you approach retirement, the pre-retirement phase, we’ll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. Then once you’re retired, we’ll determine tax-efficient income and wealth transfer strategies designed to help you in retirement.
You’re almost there.
You’ve likely thought about what retirement will be like, but have you defined the details that will make up the next phase of your life? Now is the time to nail those down and identify your short- and long-term goals. Remember, retirement isn’t an endgame; it’s a full and active part of your life that could last a long time so you’ll want to be as confident as you can – financially, emotionally and physically.
We can work with you in the years and months leading up to this new stage. And when it comes time for the next journey to begin, we’ll be there to help you continue planning for your future.
Any major life change – even a positive one – comes with its share of stress.
Changing careers is no exception. Regardless of the reasons, think about what direction you want (or need) to go in before you make a major decision that will affect you, your family and your financial future.
We can serve as a sounding board when considering your options and offer financial advice throughout the transition.
Our objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. 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.
Diversification and asset allocation do not ensure a profit or protect against a loss.
We understand the challenges business owners often face and can help new, growing and mature businesses succeed. Most important, we recognize your business is unique. Working with you as a partner in your success, we’ll take the time to understand your goals and help you address a wide variety of needs, including asset preservation, cash management, employee retention programs, insurance, financing and succession planning.
We understand the challenges entrepreneurs face when planning for the future of their business.
You understand – all too well – the effort that goes into creating a successful business. So it should be no surprise that a successful transition – whether it be selling all or part of your business or passing it on to an heir – requires significant work as well. Ideally, you want to develop a strategy well in advance, but we understand that’s not always the case. Regardless of when you decide to put the wheels in motion, the fact is your business is a huge part of your life and your net worth, so it’s vital you carefully prepare for the transition.
We can work with you to ensure your interests are well represented as you transition out of your business and move on to the next stage of your life.