OUR SERVICES essential to your financial life

Our team offers a range of services that goes beyond what you might expect from a typical financial planner. As a result, you can count on us for essentially any financial-related need you encounter. It’s this commitment to a comprehensive, holistic approach that allows us to provide the highest level of service and convenience for your busy, multifaceted life.

We help you simplify and organize your financial life with the Integrated Wealth Management System, an interactive system that provides a comprehensive year-by-year cash flow plan. This helps clients to make accurate decisions regarding retirement and if their income and spending levels are consistent with their future goals. Moreover, it can produce an all-encompassing net worth statement, a personal balance sheet. It’s easily accessible from whatever device you choose — desktop, laptop, tablet, or smartphone.

Seeing the big picture not only helps you, but us as well. It enables us to identify any gaps in your financial life and bring balance and comprehensive strategies to help address and resolve them. The resulting clarity and organization allow you to feel confident about your future, and frees you to focus on enjoying life in the present.

The projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

Having a high degree of wealth creates many complexities and issues of a unique nature. The resulting concerns are compounded by the fact that successful people lead busy lives and simply do not have the time to devote to these critical matters.

Our mission is to serve as your personal financial coach, dedicated to preserving the wealth you’ve accumulated, mitigating the erosive factors of taxes and inflation, and facilitating the transfer of wealth efficiently and according to your wishes.

We are proud to fill such a crucial role for our clients, providing a concierge level of personal service and a comprehensive roster of wealth management services.

Using advanced asset allocation and manager selection through the extensive resources of the Raymond James Asset Management Group, we apply an institutional approach to building client portfolios. Our professionals focus on forward-looking research to identify and carefully select portfolio managers who consistently add value on a risk-adjusted basis. A disciplined, four-step consulting process delivers institutional quality portfolios crafted to help pursue your long-term financial goals.

Read more about our process

In addition to working with corporate executives and business owners regarding their personal portfolios, we provide support for a variety of business-related investment needs, from helping small business owners with nonqualified plan consulting to assisting growth companies in attracting capital. We have access to professionals who specialize in the unique needs of companies, including an investment banking team that offers advisory services related to public offerings, mergers and acquisitions, and restructurings.

A well-structured wealth management plan should include discussions about both sides of your personal balance sheet, including your borrowing and cash management needs. Raymond James offers a variety of options to complement the extensive investment services we provide, including personal lines of credit, investment accounts with check writing, online bill pay, and enhanced reporting.

In addition, we can assist in evaluating short-term interest bearing instruments such as municipal auction rate securities, brokered CDs, money market funds, and cash sweep options.

Because different asset classes rarely perform the same way at the same time, asset allocation and diversification can significantly reduce portfolio volatility. In fact, the majority of a portfolio’s risk can be attributed to asset allocation.

To determine an appropriate mix of investments for your portfolio, Integrated Wealth Solutions of Raymond James will review your specific objectives, time horizon, and risk tolerance. Only then can specific investments be selected for implementation.

Diversification and asset allocation do not ensure a profit or protect against a loss.

For investors who hold all or most of their wealth in one highly appreciated security – perhaps because of a control position in a public company or because they sold a family business to a public company in exchange for stock of the larger firm – unique challenges arise.

While a concentrated equity position is often the primary source of family wealth, there is also significant risk involved with having a high percentage of holdings in a single stock. Integrated Wealth Solutions has access to specialists at Raymond James who can help assess your position and provide a variety of strategies that can help hedge, monetize, diversify, or transfer the position while managing the tax implications.

Significant assets can mean extensive tax issues. Incorporating tax-advantaged investments into your portfolio is one way to help reduce your tax obligation. Among other services, we offer a personalized portfolio review and strategy implementation program created specifically for investors with significant municipal bond investments.

Integrated Wealth Solutions can provide custom analysis of all your holdings – no matter where they are held – along with evaluation of specific transactions and detailed reports to help you create a suitable portfolio for your needs.

Raymond James does not provide tax services. You should discuss tax matters with the appropriate professional.

The goal of a well-executed estate plan is to control personal assets while passing them to heirs in the most efficient manner according to your goals and objectives. Raymond James provides a range of consulting services to help you and Integrated Wealth Solutions develop an appropriate estate plan, including the use of specialty insurance products, complete trust services, strategies for minimizing estate tax obligations, and more.

Raymond James resources include trust professionals who are available to help you and Integrated Wealth Solutions develop individually tailored strategies to fit your personal needs. Serving individual trusts as well as living, charitable remainder, life insurance, specialty, and IRA rollover trusts, Raymond James Trust allows you to take advantage of the expertise and objectivity of a corporate trustee. All services are provided in a team context that puts the full resources of a variety of professionals to work for you.

The challenge of giving charitably is to ensure your contributions benefit the organizations you choose as well as fulfill your overall wealth management plan. Integrated Wealth Solutions can assist you in identifying appropriate assets for giving as well as ways to help make the most of the tax benefits of such gifts. Among the solutions available to you through Integrated Wealth Solutions are charitable remainder trusts, charitable lead trusts, charitable gift annuities, pooled-income funds, and donor-advised funds.

Sharing your wealth with future generations by helping to fund a child’s education is a worthy goal. Integrated Wealth Solutions can help you determine an appropriate way to save for education costs while also supporting your personal goals. We provide a variety of options — 529 plans, custodial accounts for minors, sophisticated trust solutions, and more — to make the most of your gifts.

Often, a person’s identity is intertwined with what they do for a living, providing a sense of pride and purpose — and of course, the means to support their loved ones. It’s why the word “retirement” can have a negative connotation, signaling a loss of this identity and sense of purpose. It often leads to the question, “What am I going to do now?”

We give our clients the option to not just retire, but to “re-wire,” a word we attribute to Jeri Sedlar, motivational speaker and author of “Don’t Retire, Rewire!” It’s a book we believe in and often present to our clients.

We help individuals approaching retirement have a plan designed to achieve the financial independence they need to re-wire for the next chapter of their lives – one that is fulfilling and keeps them engaged and connected for the years to come.

Raymond James is not affiliated with Jeri Sedlar or his book.

We work closely with the professionals at Raymond James Investment Banking to design and implement strategies for growth-oriented small and middle-market companies.

Raymond James Investment Banking employs deep industry expertise in coordination with one of the most respected equity research departments to provide strategic planning and customized financial strategies.

Over the last five years, the firm participated in raising more than $130 billion in growth capital for its corporate clients and completed in excess of 250 advisory and private placement assignments, including over 130 mergers and acquisitions valued at more than $22 billion.

You can count on us to provide the resources you need to grow your business, whether it’s capital for expansion or expert M&A guidance.

Preserving the wealth you’ve worked so hard to accumulate is another vital component of comprehensive wealth management. Our approach revolves around the concept of preserving principal, but most importantly, preserving purchasing power from the erosive effects of taxes and inflation. In addition, insurance can help protect you from the unexpected.

Integrated Wealth Solutions can provide a wide array of quality insurance alternatives, including life insurance, long-term care insurance, and annuities. These can offer an important layer of safety for you, your family, or your business.

That's why it's increasingly important not simply to plan for retirement, but to plan for longevity in retirement - all of the years it might last, all of the ways your life will change and all of the events you can't foresee.

Learn about longevity resources available to you.

In addition to the financial implications, retirement has life implications. Our knowledgeable and experienced team can help you sort through the possibilities and offer financial advice designed to guide you up to and through the retirement you’ve envisioned.

Ask yourself these key retirement questions:

Let’s talk about:

  • Do you want to stay in your home? Will it need to be modified?
  • What housing options are available to you, and what will they cost?
  • Would you want to downsize? Relocate to a pedestrian-friendly neighborhood?

Being mobile means being independent. And retirement life brings more opportunity to go where you want whenever you want. That may help explain why transportation is the second largest expense for individuals older than 65 and accounts for about 15% of their annual expenditures, according to the Bureau of Labor Statistics. That’s why we make sure to account for it as part of your long-term financial plan.

Let's talk about:

  • How will you get to your favorite places in retirement?
  • Who will assist you if you can't drive yourself somewhere?
  • What transportation options are available in your area?

Your health and your finances are intertwined in complex ways. Most expect Medicare to pay for their healthcare expenses in retirement. But, in reality, Medicare pays only 60% of healthcare costs* - you still will have premiums, copays, and deductibles. As you age, healthcare costs can add up.

Let's talk about:

  • Do you have an existing condition? What will treatment cost over the long term?
  • Do you know what costs Medicare will cover?
  • How will you pay for what Medicare doesn't?
  • Have you considered Medigap?

*Employee Benefit Research Institute, 2015

As you take the steps to plan for a comfortable retirement for as long as you may live it, it’s important to think even further. Ask yourself what kind of legacy you want to leave. How are you going to make sure you’re secure against financial fraud and work toward passing assets – and information – to your heirs to help secure your family’s future?

Let’s talk about:

  • Have you spent significant time thinking about your legacy?
  • Who will have access to your important documents and information when the time comes?
  • How will you protect your assets and inheritors from financial fraud?

As we all live longer, chances are you may, at some point, provide care for a loved one or receive care yourself. Becoming a caregiver can be not only stressful, but also can have financial consequences if it requires taking time away from work. And long-term care is not covered by Medicare.

Let's talk about:

  • Do you understand the full impact of being a caregiver?
  • How will you get the care you need as you age?
  • Should you consider long-term care insurance?

Giving yourself every opportunity to save enough for a long, fulfilling life requires careful, detailed longevity planning - strategies for saving, investing and taking withdrawals. Making the right Social Security claiming decisions is vital to optimizing your retirement income strategy.

Let's talk about:

  • When are you planning to retire?
  • What sources of income will you have in retirement?
  • How much income you will need in retirement?

Integrated Wealth Solutions helps connect our clients to a wealth of professional talent.

“It’s not what you know, but who you know.” It is especially true when it comes to forming a team around your family and business. Integrated Wealth Solutions has a significant network of professionals to help serve your many needs.

Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed professionals. Raymond James is also not responsible for any of the services rendered by the listed professionals.

537 North Magnolia Ave. | Orlando, FL 32801 | Phone: 407.839.4998 | Toll-Free: 888.846.8172 | EFAX: 866.205.4631Map & 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 your local Raymond James office for information and availability.

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