- Road Map
- Investments
- Insurance
- Trust, Estate & Tax Planning
Road Map
- Note we prefer the term Road Map over Financial Plan. I believe Financial Planning is simply an industry term to keep fees artificially high. We call it a financial road map. Sure, a map is important, if for no other reason that it can show you the way. But it’s not something that you should pay a lot of money for. Don’t pay a percentage of your assets for a financial plan. The journey is where the fun is and what you should pay for.
- As financial advisors, we can create Road Maps for Clients. However, if we do charge them, it’s based on an hourly rate, not on how much money they have.
Insurance
- Life Insurance
An essential part of your family’s long term financial security. Life Insurance can help replace income that would be lost upon your death. It can also ensure dependents are not burdened with debt in the most difficult time.
- Long Term Care Insurance
Some of the biggest risks we have today is longevity. Its great that we are living longer, however that means we need to be able to fund the rest of our lives. What can be particularly decimating to any portfolio is unexpected expenses for long term care. Long Term Care insurance is designed to help you and your family pay for some of these costs.
Investments
- We have tailored portfolios that are comprised of stocks and bonds that we manage in-house. That allows us not only to control what’s inside your portfolio, but also to help keep the middleman fees down, to ultimately return more to you.
- Investing isn’t Rocket Science. It’s a Process and a Discipline. Don’t get sucked in by the financial advisors who advertise with pictures of yachts or private jets, or fancy terms like Life Planners or Dream Architects!!! We keep it simple, because frankly that’s all it needs to be.
Trust, Estate & Tax Planning
- Essential Documents
Wills, Healthcare directives and a list of your accounts. We can help you prepare and safeguard these important documents to ease the stress on loved ones during a difficult time.
- Trust Services
Gain a greater control over your estate by letting us navigate you through the types of available trusts, and helping you select the vehicle that best suits your goals. Raymond James Trust can also assist in administering and managing your trust.
- Tax Planning
From tax efficient investing, to discussing potential tax implication of estates, to charitable giving. We can assist you ensure the most tax efficient way of distributing your assets.
Opinions expressed are not necessarily those of Raymond James. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Some investments mentioned may not be suitable for all investors. Past performance is not a guarantee of future results. Investing involves risk and investors may incur a profit or a loss. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Life Insurance policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.
LTC Guarantees are based on the claims paying ability of the issuing company. Long Term Care Insurance or Asset Based Long Term Care Insurance Products may not be suitable for all investors. Surrender charges may apply for early withdrawals and, if made prior to age 59 ½, may be subject to a 10% federal tax penalty in addition to any gains being taxed as ordinary income. Please consult with a licensed financial professional when considering your insurance options.
These policies have exclusions and/or limitations. The cost and availability of Long Term Care insurance depend on factors such as age, health, and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of Long Term Care insurance. Guarantees are based on the claims paying ability of the insurance company.
