In order to meet the various needs of your complete financial life, we’re pleased to offer you a comprehensive array of advisory services that can be tailored to your individual needs and objectives. Because we are an independent firm, our decisions and recommendations are based on your best interests, not on promoting certain products or investments. In addition, our extensive network of legal, insurance and tax professionals helps us coordinate all the components of your plan into one cohesive wealth management solution.
Our thorough analysis of your resources, circumstances, needs and goals is the basis for a customized financial plan and investment strategy. Your personalized plan will be designed to help address the goals and concerns most important to you, such as building toward a comfortable retirement, providing for your children’s or grandchildren’s education, planning your legacy through a carefully designed estate, maximizing tax advantages and selecting appropriate insurance policies.*
The process of portfolio management is one of our strengths at Klingman & Associates. Using proven principles of asset allocation and modern portfolio theory, we design customized portfolios that may combine stocks, bonds, mutual funds and exchange-traded funds. This blend of assets will be geared to your goals, risk tolerance, preferred time frame and stated investment objectives. Our many years of experience and pooled market knowledge help provide you with sophisticated investment guidance and well-informed, thoroughly researched recommendations. We continually monitor and adjust the components of your portfolio so your asset allocation remains consistent with your stated objectives. Our asset allocation models include but are not limited to US and Non US Stocks, Fixed Income, Cash Alternatives and Alternative investments.
Learn more about our Investment Management Process.
Tax and estate planning
Coordinating your financial plan with your accountant, attorney and other advisors is crucial. We will work with other members of your team to ensure that all of your advisors are working together toward your goals, such as minimizing tax burdens and providing for your heirs. Should you need additional expertise in a specialized area, we can draw on our extensive network of financial professionals.
We believe your 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. We evaluate existing risk management strategies, and as needed, recommend necessary solutions for life, disability, and long-term care coverage.
We believe in the appropriate use of alternative investments as a source of reduced portfolio correlations, especially in times of market instability. Depending on the circumstances, your portfolio may include allocations to diversified arbitrage, long-short equity funds, event-driven funds, distressed debt investments, managed futures, global macro and private equity.**
* Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.
** 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. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in alternative investments if you do not require a liquid investment and can bear the risk of substantial losses.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC.