We have been helping clients navigate life and make astute decisions about their wealth management for over five decades. We are known for planning and implementing investment strategies — but there is a lot more trusted advice and expertise we bring to the table. We’re financial planners as well as wealth managers, which requires us to take a holistic approach to our clients’ finances. We work closely with other professionals involved in our clients’ lives in order to ensure a complete financial picture is created. In fact, there are 100 ways we help our clients grow, manage and preserve their wealth.
Jump to:
- 1Customize an investment plan that is tailored to maximize the probability of reaching your goals.
- 2Invest your assets in a forward looking, systematic manner with a focus on downside risk.
- 3Access to institutional share classes that may be suitable for you.
- 4Use a disciplined approach to proactively monitor each investment.
- 5Partner in a way that builds trust and enables long-term focus, despite the inevitable short-term noise of market and media.
- 6Employ a robust rebalancing technique that seeks to maximize after-tax returns.
- 7When appropriate, we have access to hedge funds and other private investment opportunities.
- 8An investment committee dedicated to patient and prudent investing with an average of 20 years of wealth management experience.
Investment strategies
- 9Assist in determining if you have adequate resources and income to meet your retirement objectives.
- 10Using multiple innovative tools, evaluate your personal retirement plan for its sensitivity to changes in factors that may impact the chances of achieving your goals.
- 11Calculate the required minimum distributions from your retirement accounts managed by us.
- 12Help develop an optimal Social Security plan for you.
- 13Analyze distribution options for pensions.
- 14Provide education and resources to help you make Medicare premium decisions.
- 15Guide you in making important decisions in retirement, such as housing changes, education assistance to family members and level of support to your chosen causes.
- 16Along with your tax professional, analyze the merits of Roth IRA conversions.
Retirement
- 17Implement retirement income strategies based on your circumstances.
- 18Analyze your current insurance coverages, such as life, disability, health, property and casualty.
- 19Conduct a life insurance analysis using our proprietary software to ensure you have adequate coverage to provide for loved ones after your passing.
- 20Assess and suggest options for long-term care insurance.
- 21Evaluate life insurance needs for estate planning purposes.
- 22Ensure that you have adequate insurance coverages for asset protection purposes.
- 23Access through Raymond James Insurance Group to numerous providers to implement your insurance plan.
Insurance
- 24Review your tax returns to develop potential tax minimization strategies.
- 25Our team stays up-to-date on tax law changes.
- 26Position investments to take advantage of tax law provisions.
- 27Construct portfolios in a tax efficient manner keeping your unique circumstances in mind.
- 28Provide information on the benefits of flexible spending and health savings accounts.
Taxes
- 29Assist you in prioritizing your budget.
- 30Provide you with a detailed cash flow and net worth statement.
- 31Give guidance on debt management solutions, such as refinancing and consolidation of liabilities.
- 32Give recommendations on emergency funds needed to address potential medical expenses, disability, property losses and unemployment.
- 33Calculate the benefits of purchasing versus leasing a vehicle.
- 34Analyze the economics of a second home or rental property.
Cashflow Management
- 35Help business owners determine appropriate company structures to reduce liability exposure and solve income, estate and asset preservation issues.
- 36Give guidance in establishing and reviewing existing business documents, such as operating and buy/sell agreements.
- 37Review to see if life insurance is necessary to fund buyout agreement.
- 38Determine the appropriate retirement plan that meets your personal and business objectives.
- 39Once an individual owns a business, the risks multiply to include: interruption of the business due to a disaster; death or disability of a person key to the success of the business; loss of business property; and lawsuits resulting from negligence or defective products. We will recommend strategies to potentially reduce these risks.
- 40Help you find creative solutions for business lending needs.
- 41Provide guidance on business exit strategies.
Business Planning
- 42Will review your employer benefits and provide suitable recommendations on medical, dental, vision and disability options.
- 43Review your choices in company retirement plans and make asset allocation and investment recommendations.
- 44Provide guidance and education on stock options, employee stock ownership plans (ESOP), employee stock purchase plans (ESPP’s), restricted stock units (RSU’s) and deferred compensation.
- 45Make recommendations designed to minimize the potential risks from holding concentrated employer stock.
Employer Benefits
- 46Develop a plan to save and pay for education expenses.
- 47Educate you on UTMAs, Education IRAs (Coverdell ESA), 529 plans, etc.
- 48Review all 529 plans to determine which one best addresses your circumstances.
- 49Our team stays up-to-date on rule changes for 529 plans and other savings options.
- 50Provide advice on how income and assets impact student aid qualifications.
- 51Develop a plan for paying off student and parent loans.
Education
- 52Assist in preparing an estate plan for you.
- 53Conduct analysis to determine if you have a taxable estate.
- 54Develop strategies with you to potentially minimize estate taxes.
- 55Work with you to identify the individuals or entities to serve in important roles such as executor, guardians and trustees.
- 56We guide you in making decisions like to whom and how your estate will be distributed.
- 57Review documents including wills, trusts, powers of attorney and healthcare directives to assist you in having a clear understanding of your current plan.
- 58Collaborate with you to determine the legacy you wish to pass onto the following generations.
- 59Assist executors and trustees in carrying out your desires.
- 60Our team stays current on the latest developments in estate planning strategies and estate tax law.
- 61Review ownership and beneficiary designations on all accounts.
- 62At your direction, provide information your estate planning attorney may need in drafting documents, saving time and fees.
Estate
- 63Work with your next generation and explain how saving and investing is linked to the process of wealth-building.
- 64Help identify common pitfalls that people fall into and strategies to prevent them from occurring.
- 65Assist them with choosing appropriate employer benefits.
- 66Provide you the best options to effectively transfer your investments, properties or business to your successors.
Next Generation
- 67Aid in developing a charitable plan to benefit causes you are passionate about now and or in the future.
- 68Recommend efficient options for funding your charitable legacy. These may include Charitable Trusts, Donor Advised Funds, Foundations or Charitable Gift Annuities.
- 69Illustrate and explain how your charitable plan impacts your overall financial plan.
- 70Identify assets that may provide tax benefits to fund your charitable plan.
- 71Create portfolios with investments that align with your values.
Charitable Planning
- 72Collaborate with your counsel to ensure that appropriate legal documents and plans are in place.
- 73Make introductions to local attorneys to address your needs, if needed.
- 74Guide you in exploring options for long-term care planning.
- 75Work with your family members/caregivers when needed to provide you support.
- 76Through Raymond James, we provide access to a service that assists with Medicare decisions on Part D, Medigap and Advantage plan options.
- 77Our team stays abreast of changes in the Medicare system.
- 78Assist you in exploring the financial impact of various living arrangements in later stages of retirement, such as nursing homes, assisted living and senior-focused communities.
- 79Help you decide if you should make changes to trust and estate provisions as circumstances change in later years.
- 80We can introduce you to other clients who have moved into various planned communities to learn from their experience.
- 81Our network of healthcare professionals can develop a care plan and make introductions to the best providers in Atlanta.
- 82Through Raymond James, we are able to provide you access to a healthcare concierge service.
- 83Access to Massachusetts Institute of Technology (MIT) AgeLab, which provides qualitative research on aging and retirement.
Elder Care
- 84Partner with other professionals you may have hired to help with all aspects of your financial life. These professionals may include your tax professionals, attorneys and mortgage brokers to name a few.
- 85Have numerous contacts for your legal, housing, accounting, and insurance needs.
- 86Through Raymond James Trust, we are able to review your financial circumstances with professionals, such as Trust officers.
Coordinating with Multiple Advisors
- 87Access to a financial advisor and client associate every business day.
- 88Quarterly conference calls to provide you with domestic and global economic overviews.
- 89Videos and newsletters to share our firm updates and investment committee’s views.
- 90Review meetings to discuss your investments and get updates on any changes in your life.
- 91Provide follow-up letters summarizing our discussions and listing follow-up items.
- 92We host educational events and seminars covering a variety of pertinent topics.
- 93Our associates verbally confirm every withdrawal request we receive from clients.
Communication and Education
- 94We hire a third party IT company to audit our technology and test the vulnerability of our networks and servers. We have successfully passed these exams over the years.
- 95We use encryption, latest firewall and antivirus technologies.
- 96We conduct ongoing security awareness training for all our associates.
- 97Raymond James has a dedicated cyber threat center staffed by certified information security analysts.
- 98There are strict controls, limits and monitoring of access to facilities and systems.
- 99Redundant systems and off-site information storage provides protection in an emergency or natural disaster.
- 100Raymond James conducts email monitoring for regulatory and compliance purposes, as well as protection against phishing attempts and malware.
Information Protection
Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
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