Previous Information
Retirement Planning

The Reality of Investing During Retirement
We may live much longer than our parents, and if we do, we will need a lot more money.  Read the reasons why here.

Selecting Beneficiaries for Retirement Benefits
Selecting beneficiaries for retirement benefits is different from choosing beneficiaries for other assets such as life insurance.  Read the reasons why here.

 
Estate Planning

Safeguarding Your Medical Decisions and Property
Learn various ways to protect your future wishes in the unfortunate event of incapacity.

Wills
Even if you are young or your estate is modest, everyone should have a legally valid and current will.  Click here to learn more about what a will can do.

The ILIT
For many, an Irrevocable Life Insurance Trust can protect your life insurance proceeds from estate taxes.  Read some of the benefits and conditons of an ILIT here.
Taxes

Tax Planning for Income
You can minimize your federal income tax liability in different ways.  Learn about them here.

529 Plans and Tax Benefits
While there are tax benefits that make 529 plans attractive, here are some things to keep in mind before investing.

Home Ownership and Tax Benefits
Here's what you need to know to make owning a home really pay off at tax time.

Gift Taxes and Estate Taxes
Understanding gift taxes and estate taxes is an important part of estate planning, especially in light of the recent changes imposed by the 2001 Tax Act.  Click here to read more.

 
College Financing

View the 2007 Cost of Living Adjustments for education planning here.
 

This site is published for residents of the United States only. Raymond James’ Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state.  Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Securities Offered Through

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FINRA         SIPC
Copyright 2005 by M.J. Smith and Associates