SERVICES

While our clients certainly represent a diverse cross-section of ages, careers, and needs, they share our belief that to be your best, you have to be fully immersed in your life, career, passions, and family. They appreciate having financial advisors who won’t let any important financial matter go unattended, so they are free to focus on their fulfilling lives.

With a clear understanding of our clients’ feelings, goals, and aspirations, we treat each as we do our own families – with trust, care, and integrity. We’re privileged to look out for their financial well-being and be in a position to make a difference in their lives.

Retirees

We help retirees with a personalized plan designed to preserve their wealth and mitigate the impact of market risk, taxes, and inflation. This includes having a withdrawal strategy to strike a balance between the need for monthly income and making their money last. We also review important matters such as Social Security and Medicare. Plus, we collaborate with their legal and insurance professionals on an estate plan, life insurance and long-term care..

Retirement Planning

Planning for retirement has never been more important or challenging than in today’s continually changing environment. Whether your retirement is still a remote goal, fast approaching or already here, we can help you map a comprehensive, thoughtful retirement strategy for your future well-being.

One of the biggest concerns we hear from clients approaching retirement is regarding income planning. We hear the frequent concern that clients are worried about running out of money at some point during retirement. We’ve become experts at working with clients to maximize their investments and plan for long-term income. We pride ourselves in working side-by-side with our clients, planning today with a keen eye on accomplishing their retirement dreams of tomorrow.

Families

We help families address the many financial matters they face; balancing today’s needs with the goals of tomorrow. Our mission is to serve as your family’s financial advisors for life, handling all matters related to managing and preserving your wealth, and building your legacy. Whatever the need, we’ll be here for you as your family builds, grows and evolves into future generations.

Business owners

We understand the challenges business owners face and offer advice and solutions designed to take their business to the next level. We help with important matters such as asset protection, cash management, company retirement plans, insurance, financing, succession planning and, of course, their eventual retirement.

young professionals

We help young professionals clarify their goals and map out a long-term plan for the milestones ahead – such as buying a home, paying for their children’s college educations, and saving for retirement. We stress the importance of establishing good financial habits and implementing the right strategies – controlling debt, prioritizing needs, building an emergency fund, having insurance protection, and contributing to a company retirement plan.

Education and College Planning

One of life’s most rewarding expenses is providing for the education of a child or grandchild. Our experience and professional guidance can help you give your child the opportunity for the bright future he or she deserves.

With education costs soaring each year, we’ll ensure that planning for their future isn’t complex or stressful. With careful planning, forging an achievable path to your child’s or grandchild’s educational dreams is within reach.

There are a variety of investment vehicles and tax-efficient options to contribute to the cost of higher education. As your trusted partner, our knowledge and professional guidance can help you analyze the tax benefits, ownership structure, risk and contribution limits involved – even what to do with your leftover education funds if your aspiring academic earns a scholarship.

  • 529 COLLEGE SAVINGS PLAN

  • UGMA/UTMA CUSTODIAL ACCOUNTS

Estate Planning Collaboration

After working hard for years to accumulate the assets you’ve earned, it’s important to help protect them from the effects of estate taxes and to preserve them for the benefits of your heirs. Whether your intention is to provide income for your spouse, fund a child’s or grandchild’s education or endow a favorite charity, we can help create a plan to ensure that the proceeds from your estate will be used to fulfill your wishes.

We’ll work collaboratively with other estate planning professionals including attorneys and accountants to ensure that your dreams of a legacy today are preserved for tomorrow. We prefer to communicate with your attorney and accountant directly to ensure that we’re all aligned with your overall financial plan. We’ll help you to prepare for estate planning meetings and be a sounding board throughout the process to be sure that your legacy is being taken care of properly. If you don’t already have estate planning professionals, we can make recommendations for you.

Charitable Giving & Trust Services, Donor Advised Funds

When thinking through our financial goals, philanthropy often arises as a vital component of the legacy we’ll leave behind. Rather than simply writing a check, including charitable giving in your tax strategy and financial plan is a way for you to increase the efficiency and impact of your generosity. Raymond James Charitable is here to help make it easier for you to give wisely.

Raymond James Charitable is a 501(c)(3) public charity that was the brainchild of Raymond James chairman and former CEO Tom James. A generous man himself, Tom wanted to create a way for the firm to give in a strategic, efficient way.

Raymond James Charitable’s most popular giving solution is a donor advised fund (DAF), which is like a charitable checking account. You can deposit funds today and receive an immediate tax deduction for your gift. Then Raymond James Charitable will hold and invest the funds until you distribute them to your favorite charities, affording you the potential to give even more than you deposit. Raymond James Charitable also offers an array of other solutions including charitable gift annuities (CGAs), pooled income funds (PIFs) and charity advised accounts (CAAs).

Trust Services

You’ve worked hard to build your estate. Now it’s time to preserve it.

The services of Raymond James Trust, N.A. can help you accomplish specific goals in exactly the way you intend, whether it’s passing on assets to heirs, ensuring a lasting philanthropic legacy, establishing a fund for your or a loved one’s support, or protecting your estate from tax liability. Our team can help you preserve, protect, and transfer your wealth, all while maintaining your current lifestyle.

Since 1992, Raymond James Trust has been providing comprehensive trust services, and our experienced specialists are prepared to help you take the necessary steps and make the right decisions while creating a plan that works best for you. Your Raymond James financial advisor will remain your point of contact throughout the process, working with your trust officer to manage your assets through the eyes of a professional with in-depth insight into your full financial picture.

Insurance Planning

The greatest threats to your assets are often the least expected – an unforeseen illness or death, the need for long-term care or the loss of a business. That’s why we believe appropriate insurance coverage is an important part of your overall financial plan, particularly life and long-term care insurance. We have relationships with many different insurance companies and their products, so you’ll have access to a wide array of quality coverage options that can offer a potentially important layer of protection for you and your family. We’ll work to find the best coverage at the most affordable price. PFG understands that ensuring our clients are prepared for life’s uncertainties is as important as planning for the good times.

Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

WORKINg WITH SMALL BUSINESSES

Investment Management +In today’s complex market, even sophisticated investors are challenged to stay current, monitor their investments and respond to rapidly changing conditions. We offer a complete and comprehensive range of asset management services designed to free you from the need to constantly monitor your portfolio so you can focus on the things that matter most in your life.

We understand that it’s about getting results and going above and beyond for our clients. When there’s a challenge, we rally together to provide solutions from our years of experience. At Eastern Shore Financial, you can count on us for solutions to achieve account goals and plan for future cash needs.

In our advisory relationship, monitor your plan’s progress on an ongoing basis.

  • Professionally prepare your portfolio for market fluctuations

  • Retirement Plans: SIMPLES/SEPS