A full range of services
to address all of your financial needs.

There are many parts to your financial life, beyond just managing your investments. Through the full spectrum of financial services we offer, we can help you plan not only for a wide range of needs, but for the long succession of significant events that span your lifetime.

Asset allocation
Asset allocation is a long-term strategy designed to help investors achieve their financial goals without assuming undue risk. By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent, positive return over the long term. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.
Asset allocation does not ensure a profit nor protect against loss.

Asset Management
Raymond James offers full-service asset management for clients who prefer to utilize the skills and expertise of professional money managers. A comprehensive process helps match your unique goals and risk tolerance with an asset allocation model that's right for you – from capital protection to asset growth designed to meet your long-term goals.

Estate Planning
Whether it's providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are preserved for the use you have intended. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

Financial planning
There's much more to your life than simple transactions and returns. Similarly, there's more to financial planning than just a portfolio and a retirement strategy. You have many things to plan for now, soon and well into the future, so we look at financial planning through a wide lens, and we develop strategies designed to keep you comfortable in the present while helping you reach your near- and long-term goals.

Our comprehensive financial planning services include:

  • Net-worth analysis
  • Cash flow planning
  • Strategic asset allocation
  • Retirement planning
  • Traditional IRAs
  • Roth IRAs
  • Qualified retirement plans
  • Company retirement plan rollovers
  • Education planning
  • Education savings accounts
  • 529 college savings plans
  • Custodial accounts
  • Trust and estate planning
  • Insurance and annuities
  • Liquidity and cash flow strategies
  • Tax planning and liability management

Retirement planning

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 based on your specific goals and objectives. 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 are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement. LEARN MORE

College planning

If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.

401(k) plans

If you've changed jobs or are retiring, rolling over your retirement assets to an IRA can be an excellent solution. It is a non-taxable event when done properly – and gives you access to a wide range of investments and the convenience of having consolidated your savings in a single location.

In addition, flexible beneficiary designations may allow for the continued tax-deferred investing of inherited IRA assets. We can handle all details for you, including contacting your former plan administrator, opening your new rollover IRA and completing the paperwork.

Insurance and annuities

Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James, we can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family, your business or your organization. For example, we can help you build a protective cushion with life insurance, preserve your estate with long-term care insurance and combine protection and tax-advantaged growth opportunities with annuities.

Tax minimization strategies

With your knowledge and consent, we collaborate with your other professional advisors such as your CPA or attorney to help ensure that all your financial matters are addressed in a cohesive and well-coordinated manner. For example, we can work with your CPA to develop and implement strategies designed to lessen or shift current and future tax liabilities. We can also work with your attorney to develop an estate plan designed to enable you to maintain your lifestyle today while building a legacy for the future.

Cash flow analysis

Managing debt and maintaining your lifestyle over the long term can be challenging. Without a reasonable budgeting plan, it is difficult to effectively manage spending. We can conduct a cash flow analysis to help you compare your income to your expenses and determine your net cash flow. This will help determine a realistic and appropriate monthly and annual budget.

Liability management

Most people not only have assets that need to be managed, but liabilities such as debts, loans and mortgages as well. When one's liabilities are greater than their assets, they can be considered highly leveraged – for instance, if they are a first-time house buyer with a high mortgage. If these liabilities are neglected or poorly managed, they can result in the sell-offs of assets. We can help you monitor and manage the financial liabilities in your life to help ensure they don't impact your financial well-being.

Risk analysis

Risk analysis is the process of measuring and analyzing the risk associated with financial and investment decisions. It is important in making investment decisions because of the large amount of capital involved and the long-term nature of the investments being considered. The higher the risk associated with a proposed project, the greater the return that must be earned to compensate for that risk. We use several methods for the analysis of risk including simulation models and statistical software programs.

The most powerful force in the universe
is compound interest.

― Albert Einstein ―

 

Atlanta

1100 Peachtree Street, Suite 325 // Atlanta, GA 30309 // Phone: 404.500.0155 // Toll-Free: 844.977.6937 // Fax: 404.500.0158 // Map and Directions

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Savannah

6001 Chatham Center Drive, Suite 253 // Savannah, GA 31405 // Phone: 912.200.5232 // Toll-Free: 844.977.6937 // Fax: 404.400.0158 // Map and Directions