Services
Your Family’s Financial Fiduciary
Addressing all of your financial needs is our priority – you can count on us for almost any financial-related matter in your life. Our holistic approach allows us to provide the highest level of service to you, keeping your finances in order and under control.
You’ll find that our services are aligned with your changing needs, whether you’re focused on accumulating wealth, planning for retirement, or making your money last as long as possible through retirement.
Financial Planning
A solid financial plan that shows a clear path toward your goals in life can make a world of difference. That plan must grow and change along with you. That’s why we believe it’s important to get to know you and your vision for the future. That information, when paired with our knowledge of financial markets, will lead to solutions that are designed to serve your best interests.
Asset Management
We’ll put our experience as professional money managers to work for you, alleviating the complex task of managing your assets. You’ll have access to a wide range of investments that fit your long-term goals and objectives.
Retirement Planning
The ability to live 30 years or more without a paycheck takes careful planning and disciplined investing, and we can help prepare you for it. We know that when it comes to retirement planning, it can often be difficult to assess whether you’re doing all the right things to stay on track. Add to that complexity the ups and downs of the financial markets, and you’ve got even more questions. We’re here to help provide answers, whether it’s about when to take Social Security or how to maintain your lifestyle.
Charitable Giving
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 one or more of the following forms:
Outright Gifts
Benefits charities immediately and creates a gift tax deduction.
Will or Trust Bequests and Beneficiary Designations
Through your will or trust document, or beneficiary designation form, the charity will receive the gift upon your death. Your estate is then entitled to income and estate tax deductions.
Charitable Trusts
You can name a charity as the sole beneficiary or name other, non-charitable beneficiaries as well. The most common types of trusts used to make partial gifts are charitable lead trusts and charitable remainder trusts.
Private Family Foundation
You create a foundation and transfer assets into it. The foundation then makes grants to public charities. You and your descendants have complete control over which charities receive grants. (Unless you contribute enough capital to generate funds for grants, the costs and complexities may outweigh its benefits.)
Community Foundation
A community foundation accepts donations from many sources and is overseen by individuals familiar with the community’s needs and professionals experienced at running charitable organizations.
Donor-Advised Funds
A fund is held within a charitable organization. Once you transfer assets to the account, the organization becomes the legal owner of the assets and has ultimate control. You may advise, but not direct, how your contributions will be distributed.
Corporate Executive Solutions
We are in tune with the unique needs of busy executives and can help with many different executive transactions, including employee stock ownership plans, cashless stock option exercises, rule 144 executions, 10b5-1 sales plans and hedging and monetization for concentrated equity positions. In addition, we can assist with share repurchase programs, corporate cash management, executive benefit platforms and retirement programs.
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 improve your prospects for meeting your financial objectives. Prudent tax planning can also play a large role in the amount of wealth you will be able to someday transfer to your heirs.
Cash Management
Find the excellent service you want for all your cash management needs. We offer ways to access your cash and earn interest on funds awaiting investment.
Our cash management services include online account access, overdraft protection, automatic payment/fund transfer, Visa® debit card, cash “sweep” to a brokerage account, a rewards program, check writing, and tax planning (utilizing lines of credit).*
Lending Services
* A securities-based line of credit may not be suitable for all clients. The proceeds from a securities-based line of credit cannot be used to purchase or carry margin securities. Borrowing on securities-based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the collateral call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and Capital Access.
Securities-based line of credit provided by Raymond James Bank.
Equal Housing Lender