Help preserve all
you’ve achieved

“Coming together is a beginning. Keeping together is progress. Working together is success.”
Henry Ford

Each day we take important steps to manage risk in our lives – from simple acts like picking up discarded toys on the stairs to the complexities of car insurance that helps protect us as we run errands around town. In much the same way, we must help preserve wealth by taking steps to minimize the effects of circumstances, situations and events that can erode value.

One way to pursue your financial goals and help alleviate risk to your wealth is through the long-term strategy of asset allocation. 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.

Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. We can provide a wide array of quality insurance alternatives that can offer an important layer of safety for you and your family. 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.

Lastly, we take a tax-sensitive approach to financial planning and will work with you and your other professional advisors – accountants, tax attorneys – to help minimize the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can improve your prospects for meeting your financial objectives.

In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.

Asset allocation does not ensure a profit nor protect against loss. International investing involves additional risks such as currency fluctuations, differing financial accounting standards, and possible political and economic instability. These risks are greater in emerging markets. Real estate investments involve risks such as refinancing, economic conditions in the real estate industry, changes in property values and dependency on real estate management. Alternative investment strategies involve greater risks and are only appropriate for the most sophisticated, knowledgeable and wealthiest of investors. Annuities are investment alternatives designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax, and if taken prior to age 59½, a 10% federal tax penalty may apply. Please note: changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Building Your Legacy »