The Mackinac Bridge, Michigan

Come Grow With Us

Customizing a financial plan for you

A financial plan serves as our blueprint for pursuing your goals. The better we know you and what you want to accomplish, the more we can help. We’ll begin by listening to your goals, learning about your family and looking at your current financial situation.

We’ll create a plan with recommendations tailored specifically for you. We’ll consider different investment options and coordinate with your CPA and attorney, when appropriate. Then once we put your plan into action, we’ll monitor its progress on an ongoing basis to ensure it remains aligned with your goals, personal circumstances, stages of your life and the financial market.

A full range of services for every part of your life
We offer a wide range of services to cover every aspect of your financial needs during every stage of your life. You can count on us for financial-related events and eventualities you encounter.

Your Wealth

Goal Planning & Monitoring
Goal Planning & Monitoring is the name of an innovative financial planning software solution from Raymond James that can help align financial decisions with your unique vision of retirement and other highly personalized goals. We’ll identify and enter your goals to assess appropriate asset allocation targets, spending or savings rates, and then share the results with you.


Investment Management
Our objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We know that a proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.

Asset allocation does not guarantee a profit nor protect against loss.


Risk Management
We believe a comprehensive financial plan must consider and prepare for the unexpected – such as accidents, illnesses and disability. Our team helps you think ahead and consider different scenarios, then prepare contingency plans to address them. We understand that while risk cannot be eliminated, it can and should be mitigated.


Tax Planning
We take a tax-sensitive approach to financial planning and work with you and your accountant or tax attorney to help minimize the impact of taxes. By developing 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 transfer to your heirs.

Please note: changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.


Lending Solutions
Raymond James offers several types of loans, each designed to work holistically with your financial plan. In addition to helping you grow your business, the lending strategies we offer can be used for a variety of objectives, such as purchasing a luxury item, satisfying a tax bill or taking advantage of other investment opportunities.


Trust Services
Through Raymond James Trust N.A., we offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. Whether your goal is to minimize estate taxes, help ensure you have the funds you need down the road, provide for a loved one or spell out exactly how you want your wishes to be carried out, we can help.

Your Retirement

Retirement Income Planning
Because people are living longer today, the possibility of going 30 years without a paycheck takes careful retirement income planning and disciplined investing. We can create a plan for sustainable monthly withdrawals from your investment portfolio designed to help make your money last your lifetime.

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401(k) Rollovers
If you’ve changed jobs or are retiring, rolling over your retirement assets to an IRA can be an excellent solution. It is a non-taxable event when done properly – and gives you access to a wide range of investments and the convenience of having consolidated your savings in a single location.

In addition, flexible beneficiary designations may allow for the continued tax-deferred investing of inherited IRA assets. We can handle all details for you, including contacting your former plan administrator, opening your new rollover IRA and completing the paperwork.

Your Legacy

Estate Planning
Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, estate planning can help ensure that your assets are designated for the use you have intended. We offer strategies designed to efficiently manage the transfer of wealth and mitigate tax issues.


Life Insurance
Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James, we can provide quality insurance alternatives that can offer a layer of safety for you, your family, your business or your organization.


Generational Planning
Family wealth is sometimes concentrated in a single stock due to inheritance or a corporate career. We can apply strategies designed to hedge, monetize, diversify or transfer the holdings, while helping to mitigate tax implications.

Another risk to wealth is the erosion of investment gains due to taxes. Our knowledge of tax-advantaged investments and the tax impact of individual transactions can help you keep more of what you earn.

In addition, many families we serve are interested in leaving a legacy. We can help you create a charitable giving plan that not only helps the organizations you’re passionate about, but also has the potential to generate personal tax benefits and further your overall wealth management plan.

We have expertise in addressing these important issues and can help your family manage and preserve its wealth for generations to come.


Trust Services
Through Raymond James Trust N.A., we offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. Whether your goal is to minimize estate taxes, help ensure you have the funds you need down the road, provide for a loved one or spell out exactly how you want your wishes to be carried out, we can help.


Charitable Giving
Through the resources offered by Raymond James, we can help you create a charitable giving plan that not only helps the organizations you're passionate about, but also has the potential to generate personal tax benefits and further your overall wealth management plan.

Please note: changes in tax laws or regulations may occur at any time and as financial advisors of Raymond James, we do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Your Family

College Planning
If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.


Life Insurance
Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James, we can provide quality insurance alternatives that can offer a layer of safety for you, your family, your business or your organization.


The Next Generations
We have helped multiple generations of families with wealth transfer strategies designed to mitigate estate taxes while meeting their legacy and charitable giving objectives. We can work closely with your tax and legal advisors and also meet with your children and grandchildren to stress the importance of developing good saving and investing habits, planning for life’s milestones and being responsible stewards of the family’s wealth.

Your Health

Insurance and Annuities
Since insurance helps protect you in case of accident, illness, disability or death, it plays a crucial role in your comprehensive financial plan. Through Raymond James, we can provide quality insurance alternatives that can offer a layer of safety for you, your family, your business or your organization.  We can also offer annuities that combine protection with tax-advantaged growth opportunities.


Healthcare
One of the most significant risks to ensuring an adequate income stream throughout your lifetime is the rising cost of healthcare. Conventional medical insurance, including Medicare, leaves uncovered many of the expenses related to nursing home and in-home health costs.


Long-Term Care
Long-term care insurance can help you preserve your savings and give you access to a range of care options. Nearly four in 10 people will need long-term care at some point during their lifetimes. Medicare provides only limited coverage and does not cover custodial care, the type older individuals often need. Long-term care insurance fills in many of those gaps. It can help protect your assets, minimize your dependence on family members, and enable you to determine how and where you receive long-term care services. We can help you determine whether long-term care insurance is appropriate for you and assist in identifying the policy that best suits your needs.

Your Business

Company Retirement Plans
A well-constructed corporate retirement plan is an ideal way for businesses to attract and retain quality employees, as well as help owners plan and save for their own futures. We can help you establish and manage your plan.

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Selling Your Business
We can also provide assistance in the sale of your business, including business valuation, reviewing your options for buyers and facilitating the selling process. We can help transfer wealth out of your business in a tax-efficient manner with an appropriate exit strategy.


Lending Solutions
Perhaps you’re interested in expanding your location, increasing inventory, hiring and training new staff, launching a new marketing plan or another business initiative. We can help you with lending strategies that let you access cash without having to sell any of your current assets – but rather have them work harder for you by using them as collateral.

Raymond James offers several types of loans, each designed to work holistically with your financial plan. In addition to helping you grow your business, the lending strategies we offer can be used for a variety of objectives, such as purchasing a luxury item, satisfying a tax bill or taking advantage of other investment opportunities.

Borrowing on margin and a securities based line of credit may involve a high degree of risk and 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. 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. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered savings bank.

99 E. 8th Street, Suite 400 | Holland, MI 49423 | 616.395.4135 Map and Directions