An array of services to meet your full financial needs

It is our objective to help preserve wealth, seek a reasonable rate of return, and help counter the erosive effects of inflation and taxes. We provide discretionary asset management services to individuals and institutions and remain committed to following a disciplined investment process.

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. Alternative Investments involve substantial 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. These risks include but are not limited to: limited or no liquidity, tax considerations, incentive fee structures, speculative investment strategies, and different regulatory and reporting requirements. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.

Imagine the possibility of going 30 years without a paycheck. Today, with people living longer than ever before, it’s a real possibility – one that takes careful retirement planning and disciplined investing. Once you do retire, preserving your wealth and maintaining your lifestyle will likely be among your highest priorities. You may aspire to stay in your home as long as you want and be able to leave behind the legacy you had envisioned. No matter what you would like to achieve once you leave daily work life, we can help you prepare for this most significant milestone in life.

We take a tax-sensitive approach to financial planning and will work with you and your other professional advisors, such as your tax attorney and CPA, to help minimize the impact of taxes. By developing and implementing strategies to lessen or shift current and future tax liabilities, we can improve your prospects for meeting your financial objectives.

In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs. Keep in mind that tax laws are often complex and frequently change.

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are preserved for the use you have intended.

A well-designed estate plan can effectively help mitigate your family’s tax burden. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

By working with estate-planning and trust specialists available through Raymond James Advisors and its affiliates we can help review your wills and trusts, preserve your estate for your intended heirs, establish beneficiary designations, reduce potential exposure to estate taxes and probate costs and coordinate with your tax and legal advisors.

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.

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.

Working with the dedicated insurance specialists at Raymond James, our risk management services include:

• Life insurance for income replacement
• Annuities
• Long-term care
• Disability insurance
• Liability insurance

As business owners ourselves, we at Chapman & Caldwell understand the challenges business owners often face and have helped many new, growing and mature businesses in their pursuits of success. Most important, we recognize your business is unique. Working with you as a partner in your success, we’ll take the time to understand your goals and help you address a wide variety of needs, including:

• Asset protection
• Cash management
• Employee retention
• Insurance
• Financing
• Retirement and succession planning

In addition to our own experience and financial knowledge, we have access to all the resources of Raymond James, one of the country’s leading financial services firms. Best of all, you’ll enjoy the confidence of knowing you have a single, trusted source for financial advice – and more time to devote to growing your business.