Our comprehensive financial planning services include:

• Net-worth analysis
• Cash flow planning
• Strategic asset allocation
• Retirement planning
• Traditional IRAs
• Roth IRAs
• Qualified retirement plans
• 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

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

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.

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.

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.
While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we do not render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

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.

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 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.