Families and Individuals

Pragmatic Wealth Management

We have had the privilege of guiding generations of clients, applying a consultative approach to managing the complexities that accompany wealth. Our offerings reflect the distinct needs of the families we serve, including coordination with other professional advisors such as CPAs and attorneys to help ensure our service is in harmony with all aspects of your life.

From private wealth management to customized estate planning and wealth transfer, you can turn to us for comprehensive financial planning and leading-edge resources. Our access to technology, research and specialized knowledge allows us to nimbly adapt to your needs and objectives.

You’ve spent a lifetime building a legacy. Let our prudent approach help you make the most of it.

Services Include

• Wealth & Investment Management

• Banking & Lending Solutions *

• Insurance & Annuities **

• Legacy Planning   

• Wealth Transfer  

• Risk Management 

* Lending solutions offered by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. Raymond James & Associates, Inc., Raymond James Financial Services, 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. 

** Insurance and annuities offered through Raymond James Insurance Group. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc. are affiliated with Raymond James Insurance Group.

Trusts, Endowments, and Foundations

We are well-versed in the singular challenges faced by trusts, endowments, foundations and nonprofits, and understand the responsibilities required to manage significant assets, while adhering to your organization’s mandate. We also understand the importance of your work and your desire to uphold your foundation’s mission in the years to come.

Our team provides critical support to the investment committee. We help our clients implement strategies designed to effectively manage their portfolio, stewardship duties and spending policy needs. 

Through tactical asset allocation, we develop adaptable portfolios that seek to meet the objectives of your Investment Policy Statement. Our advisors tap into our extensive resources and conduct objective research to find investment opportunities that we believe are worthwhile, align with your values and contribute to the sustainability of your foundation.

Our relationship with you and your organization is ongoing, and we are diligent in reviewing and rebalancing portfolios to help ensure they stay consistent with your long-term goals. We’re as deeply invested in your foundation’s success as you are.

Services Include

• Due Diligence and Research

• Selection of Institutional-Class Managers

• Investment Policy Statement Review

• Portfolio Management and Rebalancing

• Spending policy needs, portfolio reviews and stewardship documentation 

• Knowledgeable support and guidance on regulatory standards

Diversification and asset allocation do not ensure a profit or protect against a loss. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Rebalancing a non-retirement account could be a taxable event that may increase your tax liability.

Women

We are a women owned advisory practice with 80 years of collective experience. We’ve been through or seen it all at one point in our lives and careers: single, married, widowed, divorced. We’ve been mothers, daughters, sisters, and caregivers.

Working with women to tend to their financial lives has always been a major focus of our practice. We help with all aspects of financial planning, saving and investing for retirement, and estate and family issues. We believe it is imperative that women be prepared to take control of their financial lives now or in the future since as many as 90% of women will be responsible for their finances at some point in their lives.* We help our clients become confident decision-makers with careful planning and ongoing education. Some of our clients are as interested in investing and financial matters as we are but many are not. We know what it’s like to be thrown into something you’d rather not have to deal with and our best advice is to be as prepared as you can and get help when and where you can.

We take the time with our clients to help them understand their statements and reports and get to know them and their needs from us as advisors. We hold hands. We do monthly educational calls when they are requested.  We will spend as much time with you as you need. Most importantly we will make sure you are prepared and informed and on the right track. We are here to help.

*https://www.forbes.com/sites/forbesfinancecouncil/2017/08/08/five-reasons-women-are-taking-the-lead-in-financial-planning/?sh=e2b41c3500e5

Banking and lending solutions provided by Raymond James Bank. Raymond James Financial Services, Inc. and Raymond James & Associates, Inc. are affiliated with Raymond James Bank, a Florida-chartered bank.

NURTURING WEALTH SO YOU CAN

Live a Longer, Better Life in Retirement

With retirees living longer, more active lives, it’s essential for your retirement plan to work for you, helping you enjoy the life you’ve envisioned while also mitigating risk that could make your portfolio vulnerable. We help pre-retirees and retirees overcome the challenges of such a profound lifestyle change.

Working together, we talk about what you need and want your money to do for you and assess the likelihood that you’ll be able to achieve these goals. If you have to make tradeoffs, we help you there, too, showing you how small compromises might make a big impact over the long term. We also talk about the things that concern you, and strategies that can help alleviate those concerns. As your lifestyle changes, we update your financial plan to keep you moving in the direction you want to go.

We also strive to ensure that your wealth passes in the most efficient way to your heirs and philanthropic endeavors through estate and legacy planning. With our help, you have a full range of resources at your disposal.

Services Include

• Retirement Income Planning

• Social Security Optimization

• Estate and Legacy Planning

• Tax Planning

• Distribution Strategies

• Healthcare Planning

• Long-Term Care Costs

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Executives

Your compensation plan as a corporate executive represents both a wealth of opportunity and a web of complexity. With your focus on the business, you need a partner to help you make the most of your benefits and pursue your personal financial goals. As your trusted guide, we will help you make informed decisions regarding deferred compensation plans and restricted stock. We can also design a tax-efficient, stress-tested portfolio for you that is not overly weighted toward your own company’s securities – so you can focus on living your life and leading with confidence. 

We understand the challenges you face, such as finding solutions for concentrated stock positions and strategies designed to protect your family and your legacy. Our experience extends to all types of executive transactions, equity-based compensation, company trading policies, and regulatory requirements that impact transactions in company stock. We offer personalized guidance on these important issues and more – allowing you to focus on what matters most.

Services Include

• Executive Transactions

• ESOPs

• Cashless Stock Option Exercises

• Rule 144 Executions

• 10b5-1 Sales Plans

• Hedging and Monetization for Concentrated Equity Positions

• Banking & Lending Solutions *

• Insurance & Annuities **

• Tax Planning

• Estate Planning

• Charitable Giving

• Risk Management

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

* Lending solutions offered by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. Raymond James & Associates, Inc., Raymond James Financial Services, 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.

** Insurance and annuities offered through Raymond James Insurance Group. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc. are affiliated with Raymond James Insurance Group.

Business Owners

As a business owner, you’ve built something you care about – and you want to see it last. We understand. We’re well-versed in the challenges and opportunities before you. As your financial guide, we help you further your own brand of success by giving you the confidence to focus on what you do best.

You’ve honed the skills necessary to prosper in the marketplace, and lived the unceasing commitment that is running a business. Like all business owners and entrepreneurs, you’ve learned that your personal and professional lives may intertwine in ways you had not anticipated. As your guide, we help you see all angles of the bigger picture – important things like passing on a legacy to the next generation and helping to ensure your workers have options for retirement planning.

We help you cut through the complexity of your financial situation to create, implement and manage a comprehensive plan designed to pursue your goals – personally and professionally. Our strategies capitalize on our deep resources and insightful analysis and are customized to your needs. The result is a balanced plan interwoven with the details of how you picture your life.

Services Include

• Business Sales and Valuations

• Retirement Plans

• Personalized Wealth & Investment Management for Business Owners

• Risk Management

• Banking & Lending Solutions

• Insurance & Annuities

• Estate Planning

• Charitable Giving

• Cash Management

Lending solutions offered by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. Raymond James & Associates, Inc., Raymond James Financial Services, 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.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.