Guidance for the big picture and finer details
TRULY INTEGRATED WEALTH MANAGEMENT
Our approach is based on candid conversations and a dedication to our clients that extends beyond their financial circumstances. We build lasting relationships by delivering sophisticated wealth solutions with cornerstones of integrity, honesty, and performance. This process begins with a commitment to truly knowing the families we advise and the legacy they want to preserve for future generations. While investment strategy is often quantitative in nature, the foundation is a deep understanding of our clients’ aspirations, core values, philanthropic endeavors and multi-generational pursuits.
We utilize a vast array of resources to develop multifaceted strategies and deliver intelligible, transparent solutions that instill confidence. The core areas of this process include Financial Planning, Investment and Liability Management, and Trust & Charitable Services.
-
Understanding where you stand and where you want to go are two important facts to establish. Comprehensive financial planning helps clients understand the risks they face, prudent adjustments to consider and the path to pursue for accomplishing their goals. Legacy planning is more qualitative in nature but, ultimately, equally important. There’s a tremendous failure rate of inheritances and the mission of those assets coming to fruition as estates pass to the second and third generation. Legacy planning is designed to engage the entire family to articulate and secure core values, family traditions, life lessons, philanthropic aspirations and continuity across generations.
-
The foundation of investment management begins with constructing a portfolio of various asset classes. Throughout the financial planning process, we are held to a fiduciary standard in the management of these assets and pursue an efficient and cost-effective blend of investments that is appropriate given a stated set of objectives and risk preferences. There are a number of investment vehicles and approaches to this portion of an investment portfolio, which we customize for each client.
Non-publicly traded alternative investments cover a broad spectrum of offerings that are typically designed to perform differently than traditional asset classes. This lack of correlation to traditional asset classes has the ability to improve portfolio efficiency and the relationship between risk and return. We work with qualified families to identify potential investment strategies that are suitable for their situation. These investments include private equity, hedge funds, managed futures and real estate.
-
Borrowing is an essential need for many families. Whether it’s to acquire something (e.g., home, business, property, private investment, etc.), refinance an existing debt, or cover a short-term expense, having access to credit is a strategic tool for many. We assist clients to identify competitive solutions and work in partnership with Raymond James Bank to deliver solutions that include mortgages, security based lending, margin, aviation lending and corporate & real estate banking.
-
Trust administration and charitable giving are important wealth-management components. There is a myriad of unique, tailored trust solutions available to each client. Under its federal charter, Raymond James Trust can serve as trustee, co-trustee, custodian, personal representative or agent to the trustee.
Further, charitable giving not only supports the causes and organizations that families are passionate about but also serves as a strategic tax-management tool. Philanthropic services are facilitated through Raymond James Charitable and include Donor Advised Funds, Charitable Gift Annuities, Pooled Income Funds and Charity Advised Accounts. We take the time to explain the value of each of these tools and how they can best support your goals and financial situation.
Alternative investments involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. These risks include but are not limited to: limited or no liquidity, tax considerations, incentive fee structures, speculative investment strategies, and different regulatory and reporting requirements. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.