A steadfast financial partner for families and individuals

For true financial well-being, you should feel confident in where you are and sure of how well you’ve planned for the future. We can help you get there. Through customized financial planning, we partner with you to tackle everyday challenges and major milestones. From goal planning and wealth management to estate planning and wealth transfer, you can turn to us for comprehensive support and leading-edge resources. Our access to technology, research and specialized knowledge helps us nimbly adapt to your needs and objectives.

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We offer financial guidance for every place where your money and your life intersect.

Comprehensive preparation for life after the workplace
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An all-encompassing approach to preserving and managing wealth
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Tax-efficient wealth transfer strategies that honor your intentions
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Identifying and mitigating financial risks through a variety of strategies
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Helping families prepare financially for college
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A comprehensive suite of cash management and lending solutions
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What does your financial future look like?

Our wealth management resources can help you visualize it. They can also help in creating a financial plan that’s designed to grow with you, from planning to send your child to college to planning your retirement income.

Life Stages

Building a foundation

As you get started on your goals, we can help you:

  • Build a comprehensive financial plan
  • Plan for a child’s college and other family needs
  • Manage risk with insurance and basic estate planning
  • Set retirement planning goals

Prime earning years

As you pursue your version of success, we can help you:

  • Manage risk with insurance and basic estate planning
  • Visualize and plan your retirement
  • Navigate complexities such as a divorce or career change
  • Preserve wealth through custom strategies

Up to and through retirement

As you ready for the next chapter, we can help you:

  • Optimize your Social Security and retirement income
  • Navigate healthcare in retirement
  • Create a legacy plan, including charitable giving strategies
  • Develop personalized wealth transfer strategies

Related Resources

Learn more about what the savings in a 529 plan can help pay for.
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How to have a valuable family conversation about your estate.
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Wealth’s complexities merit reflection and thoughtful dialogue. Prepare yourself and your heirs for the great privilege and responsibility of financial stewardship.
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Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click "View Report" to see your entry resu...
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Personal Finance
Use this calculator to compare a fixed-rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. A fixed-rate mortgage has the same payment for the entire term of the loan. An adjustable rate mortgage (ARM) has a rate that can change, causing your monthly payment to increase or decrease.
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Loans
Determining which mortgage term is right for you can be a challenge. With a shorter 15-year mortgage, you will pay significantly less interest than a 30-year mortgage - but only if you can afford the higher monthly payment. Use this calculator for a comparison of a 15- vs. 30-year mortgage.
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How much interest can you save by increasing your mortgage payment? The mortgage payoff calculator helps you find out. Click the "View Report" button to see a complete amortization payment schedule and how much you can save on your mortgage.
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Your net worth is the value of all of your assets minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. If you owe more than you own, you have a negative net worth. If you own more than you owe you have a positive net worth. This calculator helps you determine your net worth and estimates how it could grow (or shrink) over the next 10 years.
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Personal Finance
How long will it take to break even on a mortgage refinance? Use the mortgage refinance calculator to sort through a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home. The mortgage refinance calculator helps sort through the confusion and determine if refinancing your mortgage is a sound financial decision.
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Whatever your priorities are in life, we’re here to offer the guidance you seek.

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Raymond James does not provide legal services. Please discuss these matters with the appropriate professional.

Investing involves risk and you may incur a profit or loss regardless of strategy selected.
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This material is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. The information and data presented on this website are from sources believed to be reliable. Their accuracy and completeness is not guaranteed and the giving of the same is not deemed a solicitation on our part with respect to the purchase or sale of any securities.

Financial Advisors may only conduct business with residents of the states and/or jurisdictions 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 our office for information and availability.

Links are being provided for information purposes only. Capitol Securities Management is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Capitol Securities Management is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.