Service Offering

Risk Management icon

Risk Management

Investment Management icon

Investment Management

Retirement & Financial Planning icon

Retirement & Financial Planning

Lending & Cash Management icon

Lending & Cash Management

Charitable and Estate Planning icon

Charitable and Estate Planning

Risk Management

You have worked hard to accumulate wealth over the years and safeguard it against potential risks. By taking the necessary steps, you can help to ensure that your assets will be available to support you and your family while maintaining your desired standard of living. Here are some ways Milestone Wealth Management can assist:

 
Life insurance can offer additional financial security for your loved ones. How? With Milestone Wealth Management, we can help you select the right type of insurance to ensure that your beneficiary(ies) will be entitled to a pre-determined lump sum payment at the time of your passing. Choose from term insurance, which provides protection until a specific age, or permanent insurance, which offers lifetime protection.
Most of us will require additional medical care or caregiving as we age, and health care plans do not cover many of these expenses. It’s important to plan for these added costs in your “earning years” so that you don’t have to deplete your nest egg to pay for basic care later in life. Long-Term Care Insurance will cover the added cost of care you may need in your later years, whether you choose to stay at home with in-home care or move to an assisted living or long-term care facility.
Now is the time to protect the wealth you’ve accumulated. When it comes to your portfolio, there are several options to consider that offer asset protection. Here are just two: diversification, which means investing in a wide array of companies with variable rates of return; and dividend-based investing, which allows you to invest in stable companies that pay consistent dividends – i.e., additional income – to you and your family.
Diversifying a highly concentrated position can help reduce your risk. One common aspect of wealth management is having too much of your wealth concentrated in one asset or, simply put – too many eggs in one basket. A diversified portfolio that includes a variety of different stocks, bonds, and other investment vehicles will provide balance, shielding it against individual asset fluctuations and market volatility. There are many available options to help reduce the risk of a concentrated position in your portfolio.
 
 

Disclosures

These policies have exclusions and/or limitations. The cost and availability of life insurance and Long Term Care insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of these insurance policies. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Diversification and asset allocation do not ensure a profit or protect against a loss. Dividends are not guaranteed and must be authorized by the company's board of directors. Past performance is not indicative of future results. A fixed annuity is a long-term, tax-deferred insurance contract designed for retirement. It allows you to create a fixed stream of income through a process called annuitization and also provides a fixed rate of return based on the terms of the contract. Fixed annuities have limitations. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you're not yet 59½, you may also have to pay an additional 10% tax penalty on top of ordinary income taxes. You should also know that a fixed annuity contains guarantees and protections that are subject to the issuing insurance company's ability to pay for them.

Investment Management

Milestone Wealth Management wealth advisors provide personalized guidance on how to implement traditional investment strategies as well as sophisticated alternatives designed to serve you now and in the future as your goals and objectives change over time.

 
At Milestone Wealth Management, we are committed to helping you reach your investment goals. By working closely with the Raymond James Consulting Services Program, we remain committed to an investment philosophy that meets your needs and adapts to the ever-changing financial markets in real time.
Life is full of choices and so is investing. At Milestone Wealth Management, we consider all investment options as we seek to grow your wealth. Alternative investments are extensions to traditional asset classes that can help manage volatility, limit drawdowns, and enhance long-term, risk-adjusted returns.
Our team works closely with the Asset Management Services team at Raymond James, which is dedicated to the research and evaluation of investment portfolio managers. It’s their job to ensure that we continue to meet our corporate standards of excellence, based on regular evaluations of our process, portfolio, philosophy, passion, and progress.
Tax efficient investing can minimize your tax burden, while maximizing your bottom line. This important strategy involves choosing the right investments and taxable versus tax-advantaged accounts to shelter those investments. We can help determine the best strategy for you.
 
 

Disclosures

Alternative investments involve substantial risks that may be greater than those associated with traditional investments and are not suitable for all investors. These risks include, but are not limited to: limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. Investors should only invest in alternative investments if they do not require a liquid investment and can bear the risk of substantial losses. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

Retirement planning and Financial Planning

It’s important to examine your financial goals, spending plans, and the sustainability of your portfolio. To accomplish this, we use Raymond James’ sophisticated, interactive software to simulate various market scenarios and stress-test a variety of results.

 
As the average life expectancy increases, so does the importance of retirement income planning. You will need to consider… Where do you want to live? Who will take care of you? What health insurance will you have? What financial resources will you need? A well-thought-out plan on how to cover future expenses can give you confidence and the ability to enjoy your retirement.
Everyone has goals and dreams for their future. To help you realize your dreams, we use Raymond James Goal Planning and Monitoring software to develop a four-step plan that consists of: goal creation, identifying resources, understanding the market, and getting results. This process helps us identify important scenarios that could affect your long-term investment strategy and, as such, the future you envision for yourself and your family.
Individual Retirement Accounts (IRAs) are tax-advantaged accounts designed to help build retirement assets. A Traditional IRA allows for tax-free contributions during your earning years that will be taxed upon withdrawal when you are presumed to be in a lower tax bracket. Roth IRA contributions are taxable at the time of deposit but not at the time of withdrawal. Each IRA account offers very different tax advantages and limitations, so it is important to understand and decide which account is right for you before investing.
Employers have many different retirement plan options to potentially offer their employees. The most common are 401(k)s, Simple IRAs, and SEP IRAs. We’ll help you choose the plan that is right for you.
When it comes to planning for a child’s college or graduate education, 529 plans are a popular choice. The funds that are contributed to these accounts are not subject to federal taxes or state tax (in most cases). 529 plans can help cover qualified higher education expenses such as tuition, books, and room and board.
 
 

Disclosures

RMD's are generally subject to federal income tax and may be subject to state taxes. Consult your tax advisor to assess your situation. The projections or other information generated by Goal Planning & Monitoring regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Goal Planning & Monitoring results may vary with each use and over time. Rules and laws governing 529 plans are varied and subject to change. As with other investments, there are generally fees and expenses associated with participation in a 529 plan. There is also a risk that these plans may lose money or not perform well enough to cover college costs as anticipated. Most states offer their own 529 programs, which may provide advantages and benefits exclusively for their residents. Investors should consider, before investing, whether the investor’s or the designated beneficiary’s home state offers any tax or other benefits that are only available for investment in such state’s 529 college savings plan. Such benefits include financial aid, scholarship funds, and protection from creditors. The tax implications can vary significantly from state to state.

Lending and Cash Management

Having wealth doesn’t mean that there will never be a need to borrow for such things as real estate or autos. In addition to Wealth Planning, we also work with Raymond James Bank to assist you with your daily finances, borrowing, and liquidity needs.

 
Mortgage lending through Raymond James Bank is available in all 50 states. We offer a variety of loans such as fixed rate, adjustable-rate, and interest-only options. There is also a private wealth mortgage option for clients who meet certain criteria.
A securities-based loan allows you to borrow against your assets in your Raymond James Bank account. You are still able to buy and sell within the accounts that are used as collateral for this loan, as well as receive dividends and interest payments. There is no maintenance, upfront, or closing costs. Interest is due monthly, but payment options and dates are flexible.
Margin loans provide you with more flexibility than a traditional loan by giving you the ability to borrow against the collateral of your securities. Money from these loans can be used for a variety of outlays, such as paying taxes, purchasing luxury items, or renovating your house. You pay off the margin loan whenever you want without penalty; however, if the equity in your account falls below the required level, Raymond James may sell securities in your account to cover the margin deficiency.
Everyday Banking with Capital Access brings together your everyday finances and long-term investments, with the added benefit of fraud protection. This service provides Capital Access Checks and a Capital Access Visa Debit card (with ATM fee reimbursement eligibility) – to offer ease of use and peace of mind.
 
 

Disclosures

*Raymond James Financial Services and your Raymond James Financial Advisors 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 referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.

**A Securities Based Line of Credit (SBLC) may not be suitable for all clients. The proceeds from an SBLC cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred 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 pledged securities towards an SBLC. 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 can sell the client's securities without contacting them. A client is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. The firm can increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client is not entitled to an extension of time on a Collateral Call. Increased interest rates could also affect LIBOR rates that apply to your SBLC causing the cost of the credit line to increase significantly. The interest rates charged are determined by the market value of pledged assets and the net value of the client's non-pledged Capital Access account. 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 Florida-chartered bank.

Charitable and Estate Planning

One of the greatest advantages of wealth is being able to support the people and causes that mean the most to you. At Milestone Wealth Management, we offer a plethora of services to help ensure that the charitable and estate planning process runs smoothly – and that the support for which you’ve provided is available for the longest possible duration.

 
Estate planning is for everyone. We can help minimize the opportunity for family conflict by creating a plan that will help protect your heirs and assets when you no longer can.
One of life’s greatest rewards is sharing your wealth with others. At Milestone Wealth Management, we work with you to create a “giving strategy” that makes sense based on what you would like to accomplish in your life, as well as in the life of others. With planning, you can create your legacy and establish a family tradition of giving that can last for generations to come.
A Donor Advised Fund is a popular charitable giving solution that provides an immediate full tax benefit and can be an alternative to establishing a private foundation. The Raymond James Charitable Endowment Fund simplifies giving by making grants to charitable donations on your behalf. You can choose how the money is invested, which charities will be designated as grant recipients, and the amount to be gifted to each charity.
Collaborating has never been easier, faster or safer than with the Client Access Vault. This tool gives you one place to store and share digital copies of all of your important documents, such as your will, and the security of knowing that each is protected.
A designated beneficiary is named on a life insurance policy or financial account as the recipient of those assets upon your passing. Documents should be reviewed regularly, and changes should be made under new circumstances including marriage, birth, death, or divorce. We’ll help you make sure your documents and designations are up to date.
 
 

Disclosures

To learn more about the potential risks and benefits of Donor Advised Funds, please contact us. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.