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Retirement Planning Is At The Heart of Our Comprehensive Wealth Management Services

Our team will analyze your income needs for today and tomorrow, then help you develop and implement a plan so you can live the life you've imagined in retirement. We can also offer recommendations regarding the most appropriate distribution strategy for your employer-sponsored retirement plans and IRA's.

Our Wealth Advisors may utilize a number of tools, depending on your needs:

Financial planning: Goal Planning and Monitoring (GPM) - Gain confidence with a clear understanding of how various factors would impact your plan. Use current assets, contributions, and withdrawals to compare results using average returns, bad timing, and a ‘probability of success’ that evaluates how well your portfolio performs in each of 1,000 different possible scenarios.

Risk Analysis: Riskalyze – Precisely define the risk you’re willing to take, then compare it to how your portfolio is expected to fluctuate (within a 95% probability) for the next six months. The cutting-edge technology and Risk Number® helps us quantify your tolerance for risk, discuss realistic expectations, and make appropriate adjustments.

Tax Return Analyzer: Holistiplan – Evaluate planning opportunities and various scenarios such as shifting income or converting to a Roth.

Wealth Management System: Easy access to all of your information in one convenient place. Aggregate all of your investments - even the ones not held with us - and important financial information using the organizer. Interact with a living snapshot of your bank accts, 401(k)’s, mortgages, etc. on the home page. Track how your portfolio is performing, or drill into individual accounts and asset breakdowns, using the investments tab. Securely store important documents in the vault. Evaluate your spending habits using the spending tab. Easily adjust numbers to plan for changes or identify ways to optimize your investments using the goals page. Run reports about your financial picture anytime.

Social Security Analysis – Consider your full financial picture and compare social security claiming strategies to determine the most appropriate for you.

Client Access: View Raymond James account statements and tax-reporting documents, track your asset allocation, review your fund selections, see how funds are performing, and access market information. Deposit checks into your accounts using the camera on your smartphone or tablet. Upload, store and organize digital copies of vital documents, and collaborate with us using vault. Review, sign and return important financial documents to our office with e-signature.

Everplans: Securely store passwords, wills and estate documents, funeral plans, and letters - everything your loved ones might need if something happens to you. Utilize the guides, tip sheets, forms, and resources to determine what to include and get it all organized.

Investment Analysis: Our Investment Committee accesses a number of programs to help evaluate individual investment products, monitor trading, review investment strategy performance, and help ensure your accounts remain balanced. Learn more about Cornerstone's Investment Committee.

The projections or other information generated by investment planning software regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Required Minimum Distributions (RMDs)

Investors who reach 70 ½ (for those born before July 1, 1949) or 72 for those born after - are required to take RMDs from their IRAs. Learn which plans are subject to RMD Rules and how to calculate your RMD.

Rate Changes Don't Have to Derail Your Retirement Plans

A pandemic-stricken economy and an aging population are not a harmonious mix. For those nearing or living in retirement, and those careful savers with their ducks in a row, the Federal Reserve’s decision to keep interest rates lower for longer may trigger a hunt for yield.

Planning Well

Raymond James commentary and insights on topics such as markets & investing, tax planning, business ownership, estate & giving, economy & policy, family & lifestyle, and retirement & longevity.