Wealth Planning Solutions




Addressing the complexities of wealth in today’s markets requires professional guidance, a disciplined process, and access to an extensive set of product and service solutions. Your Steward Partner’s wealth manager can provide direction in implementing not only traditional investment solutions but also more sophisticated investment alternatives – both now and as your life and objectives change over time. These include:

Professional Asset Management
that utilizes advanced asset allocation techniques and carefully selected money managers across a range of equity and fixed income disciplines. The extensive research and resources of the Raymond James Asset Management Group and our disciplined, four-step consulting process provide you with an institutional-quality portfolio specifically designed to help achieve your long-term financial goals.

Alternative Investments such as real estate, private equity, commodities, managed futures, structured products and hedge funds. The Raymond James Alternative Investments Group reviews and selects investments in this category, which can add diversification to portfolios, offer enhanced return potential and provide access to exclusive investment talent.

Alternative investments involve specific 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.

Addressing the complexities of wealth in today’s markets requires professional guidance, a disciplined process, and access to an extensive set of product and service solutions. Your Steward Partner’s wealth manager can provide direction in implementing not only traditional investment solutions but also more sophisticated investment alternatives – both now and as your life and objectives change over time.


One of the most rewarding aspects of substantial wealth is being able to share it with others. Your Steward Partner’s wealth manager, working with your legal and tax professionals, can help develop a plan that enables you to maintain the lifestyle you deserve now while also building a financial legacy.


Steward Partners Global Advisory invites clients to the Raymond James home office to experience the stability and strength of our broker-dealer. Raymond James’s “By Invitation Only” (BIO) visits bring our best clients to Raymond James international headquarters in Florida to meet with our professionals and interact with management. The BIO program has been in existence at Raymond James for over 18 years. Hundreds of prospective clients, existing clients and referral sources have visited the Raymond James Financial headquarters in St. Petersburg, Florida, to learn more about the products, services and support available. During your visit, you’ll also have the opportunity to tour The Tom and Mary James/Raymond James Financial Art Collection, one of the largest privately owned collections in the Southeast.
Many executives face similar decision-making challenges at the corporate level. Issues such as the design and administration of various benefit plans, marketing to institutional investors, or executing a corporate repurchase program can create additional layers of time-consuming responsibility. Your Steward Partner’s wealth manager has access to a full range of corporate solutions to help you weigh the pros and cons of various topics.

Whether you are early in your career, actively contemplating retirement or already retired, we can help ensure you have the resources you need for the retirement lifestyle you want.

Steward Partners Global Advisory professionals offer a comprehensive range of retirement planning services, savings options that permit both tax-deductible contributions and tax-deferred earnings, and a dedicated and knowledgeable staff to help with planning your retirement.

In addition, we can assist you in developing your overall financial plan to achieve specific goals through targeted tools including 401(k) plans, traditional IRAs and Roth IRAs.

Many business owners today are faced with an increasing need to provide a retirement benefit for themselves and their employees. At Steward Partners Global Advisory, listening to you and helping you and your employees plan for retirement are top priorities. Selecting the right retirement plan for your business is a crucial step, and providing one has many benefits.

One advantage is that contributions to a retirement plan today can help you meet tomorrow’s goals of financial security.

Another is that establishing a retirement plan may provide tax advantages. Eligible contributions are deductible expenses to your business, and all contributions grow tax-deferred until withdrawn.1

*1Additionally, eligible small employers will receive a tax credit equal to the lesser of $500 or 50% of the startup costs associated with the plan.

Still another benefit is that it can create positive employee relations, helping to attract and retain quality employees, while reducing turnover.

For many business owners, the question is not “Should I implement a retirement plan?” Rather, it is “Which plan is right for my business?” The choices are many: SEP, profit sharing, 401(k), SIMPLE IRA and defined benefit, to name a few.

Learn about Portfolio Solutions, a regionalized team offering holistic portfolio review services to relationships valued at $5MM and above.

About us?
This regionalized team offers holistic portfolio review services to relationships valued at $5MM and above. Assessing overall portfolio composition, using overlap and X-ray analysis, this team seeks to identify gaps and over concentrations as well as opportunities and weaknesses and to better understand the current portfolio as it relates to your stated goals and objectives. As a product agnostic team, PSG partners with firm wide product professionals to identify and illustrate specific solutions to assist in realigning portfolios with objectives. The PSG team offers the following;

  • Members of the Regionalized Wealth Solutions Team
  • Holistic portfolio review
  • HNW: $5MM+
  • Internal, external and proprietary tools and technology
  • Asset allocation and sector review
  • Overlap and X-ray analysis
  • Looks for gaps, over concentrations, weaknesses and vulnerabilities
  • Product agnostic
  • Partners with firm product professionals for product review and proposal
  • Consolidates and illustrates comprehensive portfolio solutions
  • Executive summary

Estate Planning
A carefully crafted estate plan allows you to control your assets while passing your wealth on to your beneficiaries efficiently and in a manner that reflects your personal values and objectives. Raymond James provides a range of consulting services to help you and your advisor develop a customized estate plan, including wealth replacement strategies, complete trust services, tax strategies and more.

Trust Services
The professionals at Raymond James Trust, N.A. have extensive experience with individual trusts as well as living, charitable remainder, life insurance, specialty and IRA rollover trusts. Together with your wealth manager, they can develop personalized solutions to your specific needs that also provide you with the objectivity and resources of a corporate trustee.

Often, the very asset that has led to the creation of significant wealth is the one that poses the biggest risk to future financial security. Stock and option incentives from your employer allow for participation in a company’s growth. A large inheritance may come in the form of a significant position in a single security. A sale at a closely held business for shares of a publicly traded company is increasingly common.

While each of these scenarios can create wealth within a family, they can also lead to the accumulation of a disproportionately large concentration of net worth in one security. This sort of concentrated equity position can add significant risk and volatility to your portfolio, since price changes in the security can have a major affect on the overall wealth and future financial security of you and your family.

Tax issues created by the sale of the stock, emotional attachment to the company, bullish sentiments on the stock’s future or concerns about insider status at the company may paralyze otherwise rational investors to inaction. Here we present several strategies that may be appropriate for those who wish to mitigate the risk of over-concentration. Of course, as with all investment decisions, determining the right course of action is dependent on your individual circumstances.

With all the demands and decisions parents face, one important aspect of planning for a child’s future is often unintentionally overlooked – college. However, with tuition rates rising, it should be at the top of every parent’s planning list – no matter the child’s age.

What’s more, saving for a child’s education doesn’t necessarily have to rest entirely with parents. With the flexibility and convenience of today’s savings plans, many alternatives make good sense for grandparents, aunts and uncles, other family members and friends.

You have big dreams for the aspiring academics in your life. Don’t let a lack of planning sidetrack those aspirations. A Steward Partner’s wealth manager has the expertise and resources to help you explore your savings plan options as well as other funding strategies.

Education plans

  • 529 Savings Plans
  • 529 Prepaid Plans
  • UGMA/UTMA Custodial Accounts
  • Coverdell Education Savings Accounts

Alternative strategies

  • IRAs
  • Company-sponsored retirement plans
  • Life insurance

Whether you are just starting to save or you’re ready to retire, your advisor will begin by getting to know who you are and what you want out of life. Then he or she will work with you to build a fully customized, comprehensive financial plan designed to account for all of your wants and needs and prioritize the goals that are most important to you.

Using the wealth of resources and technology tools available from Steward Partners Global Advisory and Raymond James Financial Services, your advisor will then test your plan – exploring the potential impact of “unknowns” and how any adjustments could affect your goals – and continually monitor your progress.