Decorative Tilda

A comprehensive approach for addressing all financial needs

Your financial needs change over time, from accumulating wealth to planning for retirement to making your money last as long as possible in retirement. One constant, however, is our ability to help you pursue your goals throughout your whole life. 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 – and the next generation of your family.

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.

Retirement readiness checklist
See if you have the income, resources and safety nets in place to secure a comfortable retirement.
Retirement Checklist

Retirement microsite
Go more in-depth in matters important when your nearing or in retirement.

Retirement income planning

Preserving your wealth and maintaining your lifestyle are likely among your highest priorities. You aspire to stay in your home as long as you want and be able to leave behind the legacy you had envisioned.

We can create a plan for sustainable monthly withdrawals from your investment portfolio designed to make your money last your lifetime. In addition, we can help you with wealth management needs such as income projections, distribution planning, estate and legacy planning, and insurance needs such as life insurance and long-term care.

We can also assist with longevity planning, assisting you with making required minimum distributions, income planning, taxes, proper account titling and beneficiaries, wealth transfer, charitable planning, and asset protection and reallocation.

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.

Tax planning

We take a tax-sensitive approach to financial planning and 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 help 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 might be able to someday transfer to your heirs.

Please note: changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Investment review and second opinion

It never hurts to have someone see if the financial and investment guidance you are receiving is aligned with your goals, time horizon and risk tolerance. We offer complimentary and confidential second opinions.

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.

Business succession planning

A business succession plan helps you address and resolve many important considerations. Should you transfer ownership to family members or employees or perhaps an outside party? Shouldn’t you have an orderly plan in place in the event of an incapacitating health event or death? How can I pull money out of the business in a tax-efficient manner? We help you answer these important questions and smooth the transition by building a solid business succession plan.

Company stock or low-cost-basis stock distributions

There can be significant tax implications associated with selling a large concentration of company stock or taking a profit on a stock that has increased greatly in value. We offer strategies to help mitigate the tax impact of such transactions.

Charitable giving and gifting

Philanthropy can bring personal satisfaction, enabling you to support causes and organizations that matter most to you. It can result in significant tax advantages, as well – including income tax deductions, reduction of capital gains taxes, and lower estate taxes. We can help tailor a charitable giving plan for you that can include a charitable trust, donor advised fund, private family foundation, community foundation or outright gift.

Insurance planning

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 quality insurance alternatives that can offer a layer of safety for you, your family, your business or your organization.

Long-term care and disability insurance

Seventy percent of people turning 65 can expect to use some form of long-term care during their lives.* Medicare provides only limited coverage and does not cover custodial care, the type older individuals often need. We can help you secure long-term care insurance to help you preserve your savings and give you access to a range of care options.

These policies have exclusions and/or limitations. The cost and availability of LTC 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 LTC insurance. Guarantees are based on the claims paying ability of the insurance company. *Source: U.S. Department of Health and Human Services; LongTermCare.gov

3773 Corporate Parkway, Suite 180    |    Center Valley, PA 18034    |    Phone: 610.709.9715    |    TF 866.729.8768    |    F 610.709.9725    |    Map and Directions
Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability. © Raymond James & Associates, Inc., member New York Stock Exchange / SIPC | Privacy Policy

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