Here when it matters most
We’re not just here to manage your investments – we’re here to help you make confident decisions about your entire financial life.
From everyday choices about saving and spending to long-term planning for major milestones, we provide thoughtful guidance built around your goals, your family and your future. Whether you’re looking for help with retirement planning, want professional insight on investment management or simply need a second opinion, we’re here to support you with clarity and care.
As a client, you’ll have full access to our experience in financial planning, portfolio management and integrated tax strategy, and you’ll always have the ability to connect with us directly whenever you need us.
We’ll also collaborate with your CPA, estate attorney, or other professionals to make sure your entire financial picture is working in sync.
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Keep more of what you’ve earned
When it comes to wealth, it’s not just about what you make – it’s about what you keep. That’s why we take a proactive, personalized approach to tax strategy review and long-term tax planning.
Each year, we review your tax returns and collaborate closely with your CPA, tax attorney or other dedicated advisors. Our goal – to help reduce unnecessary taxes while aligning your strategy with your broader financial goals.
We guide clients through strategic tax decisions, including:
- Managing capital gains
- Roth IRA conversions
- Unlocking concentrated stock positions
- Leveraging Net Unrealized Appreciation (NUA)
- Strategic charitable giving and family gifting
Whether you’re focused on minimizing taxes in retirement or preserving wealth for future generations, we’ll help you build a plan designed to retain more capital – now and for years to come.
Let’s schedule a tax strategy review to make sure your plan is working as hard as you are.
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Investing that reflects you
Your life, goals and circumstances are uniquely yours – so your investment strategy should be, too.
We take a personalized, hands-on approach to building portfolios that align with your financial plan. Whether you’re focused on growth, income or capital preservation, we’ll help you choose investments that are thoughtfully selected and purposefully designed for your specific needs.
As part of our comprehensive financial planning, we offer access to a broad range of high-quality investment solutions – including stocks, bonds, mutual funds, ETFs, annuities, alternative investments and separately managed accounts (SMAs). For clients looking to optimize after-tax returns, we also offer advanced strategies like direct indexing, which can help manage large capital gains from concentrated stock positions.
Want to know if your portfolio is working as hard as it could be? Let’s schedule a tax strategy review or investment consultation and take a closer look – together.
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Retirement planning that supports the life you’ve built
You’ve worked hard to create your lifestyle – now it’s time to preserve it.
Planning for a retirement that could last 30 years or more requires more than just saving – it demands a thoughtful, flexible strategy. We help you build a plan designed to deliver consistent monthly income, preserve your principal and adapt to life as it evolves.
Through comprehensive retirement planning, we assist with everything from required minimum distributions (RMDs) and income planning to asset reallocation, beneficiary assignments and account titling. We also offer personalized guidance on tax strategies, charitable giving and multi-generational wealth transfer – all aligned with your long-term goals and values.
Whether you’re approaching retirement or already there, we’re here to provide clarity, confidence and informed advice every step of the way.
Let’s talk about how to turn your savings into a sustainable plan for the future.
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Financial strategies that support your business and your life
As a business owner, your time is limited – but your financial responsibilities are not. You drive growth and innovation every day, yet reviewing benefit plans or cash flow tools may not make it to the top of your list. That’s where we come in.
We partner with entrepreneurs and business owners to streamline, evaluate and enhance their financial strategies – both personally and professionally. Whether you’re growing your team, preparing for succession or exploring capital options, we’ll help you find solutions tailored to your vision.
Our business-focused services include:
- Workplace retirement plans (401(k), SEP, SIMPLE)
- Key Person insurance and executive benefit planning
- Lending and cash management solutions
- Business valuation support and venture capital coordination
You deserve financial partners who understand both sides of your balance sheet.
Let’s build a financial plan that supports your business – and your life beyond it.
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Integrating smart banking into your financial plan
Your financial strategy doesn’t stop at investments. That’s why we incorporate lending and cash management solutions designed to support both short-term liquidity needs and long-term financial goals.
Through our partnership with Raymond James Bank*, we offer access to a full range of premium banking services – all aligned with your broader financial plan. From flexible credit solutions to high-yield savings, we help you manage your money with confidence and convenience.
Our banking and cash solutions include:
- Lines of credit and mortgage lending
- Securities-based lending for liquidity without disrupting your portfolio
- Cash sweep options to and from brokerage accounts
- Automatic payments and transfers
- Visa® debit and credit cards, check writing and overdraft protection
- Raymond James Bank Enhanced Savings Program (ESP)
We believe banking should be seamless, secure, and strategic – so you can stay focused on what matters most.
Let’s explore how integrated banking services can add value to your financial plan.
*Banking and Lending solutions are offered through Raymond James Bank, an affiliate of Raymond James & Associates, Inc., and Raymond James Financial Services, Inc. Raymond James & Associates, Inc., Raymond James Financial Services, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be put into contact with Raymond James Bank for your residential mortgage needs.
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Protecting what matters, preserving what lasts
You’ve worked a lifetime to build your wealth – now it’s time to protect it with intention.
Proper estate planning can ensure that your assets are used according to your wishes, shielded from unnecessary taxation and thoughtfully passed on to the people and causes that matter most.
We work closely with you and your estate attorney to help structure and title accounts, designate beneficiaries, and implement multi-generational strategies designed to:
- Minimize estate and inheritance taxes
- Protect your wealth from legal or financial risk
- Streamline transfers to heirs or charitable organizations
- Align your estate plan with your overall financial goals
Our approach combines technical knowledge with compassionate planning – because your legacy isn’t just about assets. It’s about values, intention and clarity.
Ready to take the next step in securing your legacy? Let’s start the conversation.
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Protect what you’ve built, secure what’s Ahead
Insurance planning is a critical part of any well-rounded financial strategy. It’s not just about protecting your assets – it’s about protecting your lifestyle, your income and the people who depend on you.
We help you determine the right coverage for your unique needs, evaluate top-rated insurance carriers and implement solutions that support your long-term goals. Our partnership with Raymond James Insurance Group gives you access to a robust network of professionals who work to match each case with the most suitable products available.
We offer guidance and solutions in:
- Term and whole life insurance
- Disability income protection
- Long-term care insurance
- Tax-advantaged annuities for income or legacy planning
Whether you’re looking for protection during your working years or planning ahead for the unexpected, we’ll help you build a safety net with clarity and purpose.
Let’s explore your life insurance options and create a plan that protects your future.
Life insurance exploring your options
Insurance products offered through Raymond James Insurance Group, an affiliate of Raymond James & Associates, Inc. and Raymond James Financial Services, Inc.
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Helping you fund the future with confidence
Few goals carry as much meaning as helping a child or grandchild pursue higher education. We offer education planning services designed to make that goal more achievable – and more tax-efficient.
Whether you’re planning for a newborn or helping a teenager prepare for college, we help you evaluate the right tools and strategies for your family. From 529 plans to UGMA/UTMA accounts, we’ll guide you through each option, including the tax benefits and long-term implications.
We also help families take advantage of new rules under Secure Act 2.0, which allow unused 529 plan funds to be converted into a Roth IRA*, creating flexibility and additional long-term value.
Education costs are rising, but with the right plan in place, you can give the gift of opportunity with less financial stress.
Let’s build a plan that makes higher education part of your family’s financial future.
Grading Your Education Savings Options
529 plans come with fees and expenses, and there is a risk they may lose money or underperform. Most states offer their own 529 programs, which may provide benefits exclusively for their residents. Please consider whether the state plan offers any tax or other benefits. Tax implications can vary significantly from state to state.
*The 529 plan must be open for 15 or more years. Contributions and associated earnings must have been in the 529 plan account for at least five years to qualify for a rollover to a Roth IRA. Contributions and associated earnings made within the last five years are ineligible. The 529 to Roth IRA rollover is subject to the IRA annual contribution limit for the taxable year, applicable to the beneficiary for all individual retirement plans maintained for the benefit of the beneficiary. Thus, the total amount that can be rolled over from a 529 plan to a Roth IRA annually is the annual IRA contribution limit for the year, reduced by the total of any other IRA contributions made by the beneficiary in that year. The contribution limit for 2024 is $7,000 for a beneficiary under age 50 and $8,000 for a beneficiary age 50 or older/ The beneficiary must have earned income sufficient to make the contribution into the Roth IRA. Not all states consider this qualified. Please check with a tax professional to confirm your state’s rules.