In this video, Todd explores important questions about retirement, saving, Social Security, longevity, healthcare, inflation, and market uncertainty - and how personalized financial planning can help you evaluate the choices available to you.
Visualize your future: Build a financial plan for your life ahead
What Do You Want YOUR Future to Look Like?
Financial planning begins with understanding the future you want to create. By creating a financial roadmap and testing different scenarios, we can help you better understand how decisions today may affect your ability to pursue your goals throughout the different chapters of your life.
Is This you?
As Wealth Grows, Financial Decisions
Often Become More Complex
You may benefit from a more advanced planning approach if you're approaching retirement, managing significant wealth, holding concentrated stock, preparing to transition a business, receiving an inheritance, supporting multiple generations, or thinking more intentionally about the legacy you want to leave.
Do any of the following situations below apply to you?
Your net worth has grown to beyond $1 million
And, your financial life has become more complex.
You are planning to retire within 10-yrs
And, you want confidence that your income will last.
You are concerned about leaving a legacy
And, you want to ensure your wealth benefits the people & causes that matter most
You expect higher taxes in retirement
And, you want to proactively reduce taxes now and in the future.
You recently inherited wealth
And, you want education and guidance on how to manage it wisely.
You want multiple professionals working together
And, you are looking for coordination among your CPA, Estate Attorney, and other trusted advisors.
You own appreciated stock
And, you want to manage risk and minimize taxes.
You own a business
And, you want to grow value and plan your eventual exit.
You are tired of reactive financial advice
And, you want proactive and trusted partner who helps you plan ahead and stay on track.
If you answered "Yes" to any of these above,
Advanced Financial Planning may uncover opportunities worth exploring.
Planning Readiness
How Prepared Are you?
It can be difficult to know which areas of your financial life deserve attention. Our Planning Readiness Scorecard helps you assess how well your retirement, tax, estate, business, executive compensation, legacy, and risk-management strategies are working together.
Use this short assessment help to identify areas that could benefit from more strategic attention.
There are no right or wrong answers - this is simply a starting point for a more meaningful conversation.
(Answer a few quick questions to see how prepared your financial plan may be)
Your score is just beginning.
Let's discuss your results and the planning opportunities that may have the greatest impact on your future.
Common Situations We Help Navigate
Your Planning Should Reflect What's Happening in Your Life
Different financial circumstances create different planning priorities. We work with Affluent Families & Individuals, Pre-Retirees & Retirees, Practice Professionals & Executives, Business Owners, & Beneficiaries of Sudden Wealth to address the financial decisions most relevant to their unique circumstances.
Click below on the type of client you might identify with.
Legacy-Focused Families & Individuals
concerned about Investment Strategy, Tax Mitigation, Advanced Financial Planning, Transferring Wealth Wisely, Preparing Heirs, Supporting Family Members, Making a Charitable Impact.
Pre-Retirees & Retirees Aged 50+
concerned about Reliable income, Market Downturns, Tax-Efficient Withdrawal Strategies, Healthcare Costs, Insurance, & Estate Tax Implications.
Practice Professionals & Executives
concerned about Concentrated Stock Positions, Advanced Retirement Planning, Tax Mitigation Strategies.
Business Owners
concerned about Banking, Lending, Business Value Acceleration, & Exit Planning.
Beneficiaries of Sudden Wealth
concerned about Financial Education, Wealth Preservation, Income Generation, Intergenerational Wealth Transfer & Legacy Planning.
Planning Throughout Your Financial Life
The Right Planning Opportunity Often Depends on Timing
The decisions that matter at Age 50 may be very different from those that matter at 65, 75, or after a major liquidity event. We proactively look ahead for opportunities and potential decision points before they become urgent.
Six Areas of Advanced Financial Planning
One Financial Life.
Six Interconnected Planning Disciplines
Our planning process evaluates your financial life across six areas, looking not only at each individually but also at how decisions in one area may affect the others.
Retirement Income & Timing Planning:
Turn accumulated wealth into a coordinated strategy for retirement income, Social Security, RMDs, & long-term financial independence.
Executive Wealth & Concentrated Stock Planning:
Coordinate equity compensation, concentrated stock, diversification, liquidity, & tax considerations with your personal strategy.
Business Value Growth & Exit Planning:
Prepare the business - and the owner - for a successful transition while connecting enterprise value with owner's personal goals.
You
Your Wealth & Life Goals
Wealth Preservation & Risk Management:
Identify financial risks that could disrupt your plan & evaluate strategies for protecting your family, assets, & financial independence.
Strategic Tax Planning:
Look ahead for opportunities to coordinate financial decisions with their potential tax implications - today & in the future.
Estate, Philanthropy & Legacy Planning:
Coordinate how wealth may be protected, transferred, & used to support the people & causes that matter most to you.
Your Planning Wheel
Is Your Financial Life Working Together?
A decision involving Retirement, Taxes, Your Business, Investments, Estate, or Family can affect other areas of your financial life. We look at the bigger picture to help your strategies work together and support what matters most to you.
The wheel then simply places You & Your Family in the center, surrounded by the six planning areas. The three short examples at the bottom make the integration tangible without asking the visitor to decipher a complicated network of arrows.
Click BELOW to see examples of how various types of planning connect together.
Resources & Insights
Knowledge to Help You Make Smarter Decisions
Stay informed with timely articles, guides, and videos on the topics that matter most to you.
Our goal is to provide clarity, perspective, and practical ideas you can use.
Informed Decisions Lead to Better Outcomes
The more you understand your options, the more confident and prepared you can be for today - and for the future you envision.
Our Advanced Planning Process
From Complexity to a Coordinated Action Plan
Our process begins by understanding what matters most to you. We gather and assess your financial information, identify potential planning considerations, develop and prioritize strategies, coordinate with other professionals when appropriate, and continually review your plan as life evolves.
Click on the images to the right to learn more >
Schedule a Planning Consultation
What Planning Opportunities Could You Be Missing?
You don't need to know exactly what needs attention before starting a conversation. We'll begin with your goals, concerns, and current financial picture and help identify the areas that may deserve a closer look.
Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Banking and lending solutions provided by Raymond James Bank. Raymond James Bank, member FDIC, affiliated with Raymond James Financial Services and Raymond James & Associates, Inc.
Tax-loss harvesting can have unintended tax consequences and there may be higher fees or costs associated with a replacement security or stock position. There is no guarantee that a favorable tax outcome will be achieved.