Financial Solutions, Tailored to Your Needs
Financial Planning
Financial Planning
“There are dreamers, and there are planners; the planner makes their dreams come true.”
- Edwin Louis Cole
The financial plan is the core and foundation of your future. This blueprint of success will be established at the start of our journey together – it’s an always-evolving process that we look forward to being part of.
Given the many aspects of both life and finances, a structured approach ensures nothing is overlooked. Our goal is to simplify, bring clarity and purpose to your future. Our meticulous attention to each detail of your life will ensure all aspects align seamlessly with what is most important to you. After all, this journey evolves around you.
The HMS Resolute Planning Process:
We call our process the HMS Resolute System because, unlike many organizations, we don’t start with the numbers. To build a plan, we need to start with an impenetrable foundation. We begin by understanding and obtaining a real picture of what you want most out of life to establish the bow of the ship – vital for future navigation.
Our process is a 5-step method to help us intimately understand your situation for well-thought-out, researched recommendations made with your best interest at heart. We’ll systematically formulate a plan allowing you to experience freedom with your finances.
- Charting Your Course: The HMS Resolute set sail with a clear destination in mind. This exploratory initial phase is all about defining what is important to you. We work closely to learn from you, establishing a clear vision of your desired future.
- Comprehensive Assessment: Our process involves a thorough assessment of your financial situation. We analyze the data gathered to understand your financial landscape.
- Strategic Planning: With a solid understanding, we develop a strategic plan tailored to your unique needs. We carefully plot a course that is designed to maximize opportunities and minimize risks, helping to ensure a smooth journey towards your goals.
- Implementation: Execution is key to any successful voyage. Our team implements your financial plan with precision and attention to detail. We ensure each step is taken with care and purpose.
- Monitoring and Adjusting: The seas are ever-changing. We will review the progress of your plan relative to your defined objectives and suggest any changes where needed to keep you on track. With ongoing transparent communication we adapt. Just as the HMS Resolute adapted to new challenges, we remain agile and responsive to changing circumstances.
Together, we chart a course to obtain financial independence, helping to ensure your financial plan stands the test of time.
Business Planning
Business Planning
You understand all too well the effort that goes into creating a successful business. It is no surprise that a successful transition – whether it be selling all or part of your business or passing it on to an heir – requires substantial work as well.
During this significant emotional and financial event, it’s imperative to have someone by your side carefully reviewing the deal and keeping your best interests in mind as you cede control of something you’ve tended to for years. You’ll also need to factor in how the proceeds will fit into your overall financial and retirement income plan – in the most tax-efficient way possible.
We can work with you to properly value your business, create a succession plan designed to maximize its financial potential, and address the details essential to all parties concerned. Alongside other professionals such as your tax professional and attorney, we work to develop a comprehensive picture – legal, structural, operational and financial – of your business. Together, we ensure your interests are well represented as you transition out of your business and move on to the next stage of your life.
- Preparation:
- Finding the Match:
- Transitioning:
Risk Analysis/Asset Protection
Risk Analysis/Asset Protection
One of the most important functions we serve is helping to protect all you have worked to build. There are several ways we can help.
It takes the right approach, as well as steadfast discipline and diligence, to assess the risks that could derail your life goals and build a contingency plan to help limit the effects. As your experienced guide, we assess where your risk lies and determine your level of comfort with it, exploring what actions and plans to put in place to provide the level of protection you need and deserve.
Then, we tailor your financial plan to prepare for the unexpected, which could include preserving your estate with long-term care insurance, building a protective cushion with life insurance, and combining protection and tax-advantaged growth opportunities with annuities. Working together, our team helps you preserve your overall financial plan, your way of life and your confidence in reaching your goals even when the unexpected happens.
Estate, Trust, Charitable Giving, and Legacy Planning
Estate, Trust, Charitable Giving, and Legacy Planning
The freedom to leave a legacy to benefit others is a rewarding feeling like no other. But leaving an enduring legacy takes the right solutions – such as trusts, wills and insurance – combined with the prudent selection, balance and placement of investments. To help, we provide an extensive array of tax, trust, and financial planning expertise to ensure your wishes are implemented.
Through proper estate planning, you can help ensure your assets accumulated over your lifetime are preserved for the use you have intended. This can include providing income for your spouse, educating children or grandchildren, or leaving money to your favorite charity. A well-designed estate plan can also help mitigate your family’s tax burden. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next and mitigate related tax issues. And by coordinating our efforts with your tax and legal professionals, and working closely with you and your family, we will help you establish a financial tradition that can be passed on for generations.
Among our estate planning resources is Raymond James Trust, N.A., that can help you preserve the assets you have accumulated while also addressing tax liability issues. A full range of personal trust and estate planning services – including custody and safekeeping, account management for estates and living trusts, irrevocable life insurance trusts, and estate settlement services – is available. In addition, if you are interested in charitably conscious investing while generating income and reducing taxes, we provide access to donor-advised funds, including the Raymond James Charitable Endowment Fund and Pooled Income Funds (made available through Raymond James’ relationship with Eaton Vance).
This information is general in nature, and is intended solely for the purpose of illustrating conceptually how a particular estate planning technique might work, based on various assumptions. Whether the planning technique is appropriate for you will depend on your goals and your specific situation. This is not a complete statement of all information necessary for making an investment decision, and is not a recommendation or a solicitation to buy or sell any security. Investments and strategies mentioned may not be suitable for all investors. Past performance may not be indicative of future results. Raymond James does not provide advice on tax, legal, or mortgage issues. These matters should be discussed with an appropriate professional.
Donors are urged to consult their attorneys, accountants or tax advisors with respect to questions relating to the deductability of various types of contributions to a Donor-Advised Fund for federal and state tax purposes.
Raymond James Charitable Endowment Fund is an independent non-profit organization that has entered into a services agreement with Raymond James Trust N.A., a subsidiary of Raymond James Financial Services, Inc.
Eaton Vance Distributors, Inc. (Placement Agent) is a paid solicitor of certain Trusts and the Gift Trust, receiving compensation as described in the Trusts’ Information Statements and in the Gifting Booklet of the Gift Trust’s Donor-Advised Funds.
Customized Portfolio Construction and Investment Management
Customized Portfolio Construction and Investment Management
The Resolute Investment Management Philosophy and Process
Inspired by the enduring legacy of HMS Resolute, our investment management philosophy and process are designed to navigate the complexities of the financial markets with precision, resilience, and unwavering confidence. Between our research and alignment with Raymond James, we are committed to leading portfolio management.
Our Investment Management Philosophy
- Steadfast Commitment:
- Strategic Navigation:
We believe in a strategic approach to investment management, navigating the markets with careful planning and foresight. Our philosophy emphasizes a long-term perspective, recognizing that true success requires patience and perseverance.
- Risk Management:
The seas can be unpredictable, and so can the markets. We prioritize risk management, employing strategies to minimize potential downsides while capitalizing on opportunities. We strive to preserve your investments from market volatility.
- Diversification:
A resilient ship is built with multiple layers of protection. That’s why our investment philosophy is grounded in diversification, spreading risk across a range of asset classes designed to enhance stability and potential returns.
Navigating Towards Success
Our Resolute Investment Management Philosophy and Process embody the principles of dedication, strategic planning, and resilience. Together, we chart a course for enduring financial success, ensuring your investments are managed with the precision and care they deserve.
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 and 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
Banking and Lending Solutions
Banking Strategies:
- Cash strategies consulting:
We create customized cash strategies that meet your needs for liquidity, safety, and return.
- Capital access:
A versatile cash management account that offers flexibility and easy access for everything from investment purchases to bill payments and everyday expenses.
- Cash sweeps:
- Credit cards:
A range of credit card options tailored for everyday consumers, businesses, and high-net-worth individuals.
Lending Solutions:
- Securities-backed lending options:
- Tailored lending:
- Residential lending:
- Additional lending:
Loans tailored to meet a wide range of needs, including commercial real estate, corporate (C&I) loans, and financing for aircraft, art, collectibles, and small businesses (offered through third-party providers).
Banking and lending solutions are offered through Raymond James Bank, member FDIC, an affiliate of 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 a Raymond James Bank, member FDIC, for your residential mortgage needs.
Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are not FDIC-insured banking entities. FDIC insurance only covers the failure of FDIC-insured depository institutions and does not cover Raymond James & Associates, Inc. or Raymond James Financial Services, Inc.. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial Inc., companies are not insured by the FDIC or any other government agency, are not deposits or other obligations of Raymond Jaemes Bank or TriState Capital Bank, are not guaranteed by Raymond James Bank or TriState Capital Bank, may lose value, and are subject to investment risks, including the possible loss of the principal invested.
A line of credit backed by securities, such as a securities based line of credit or a tailored line of credit, may not be suitable for all clients. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the Pledged Account(s) may be sold to meet the Collateral Call, and the firm may sell the clients’ securities without contacting them. A client may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. In many cases, the firm may increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client may not be entitled to an extension of time on a Collateral Call. Increased market interest rates could also affect the applicable rate index that applies to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged are determined by the line of credit amount as outlined in the Loan Agreement. Lines of credit are provided by Raymond James Bank, Raymond James & Associates, Inc., and Raymond James Financial Services Inc. are affiliated with Raymond James Bank, Member FDIC. The proceeds from a line of credit backed by securities cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account (with the exception of advances made into the pledged account solely for the purpose of sending out or effecting an international wire within 1 business day of receiving funds from the bank; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insuance; or (d) otherwise used for the benefit of, or trasnferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as a pledged securities towards a line of credit.
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