At Tempus Advisors, our wealth advisory approach and services are devoted to the achievement of your goals. We consider all dimensions of time – past, present and future. By looking closely at your history, current situation and future possibilities, we learn about your successes and regrets, as well as your values, visions and goals.
We identify potential biases that can impact the investment management process, and discover areas of doubts and confidence.
We take time to understand what interests and motivates you.
Finally, by evaluating the present, we quantify your balance sheet, reviewing assets and liabilities, identifying potential risks and prioritizing goals.
Our objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. 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 are not suitable for every investor. They 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. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.
Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.
We believe a comprehensive plan must consider and prepare for the unexpected – such as accidents, illnesses, disability, the risk of outliving your money, and even teenage drivers. 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 be identified and should be mitigated. Our risk management services include life insurance, annuities, long-term care, disability insurance and liability insurance.
Raymond James Investor Access allows you to connect to and view all of your financial accounts in one convenient location. You can aggregate account information from more than 8,900 financial institutions and have it automatically updated every night.
You can also add your bank accounts, 401(k) accounts, credit cards, mortgages and more. You can even enter assets such as jewelry, collectibles, cars and real estate to build a full picture of your total net worth. Data is aggregated using highly secure methods monitored by security experts 24/7 to ensure information remains private and protected.
Families in business find it in their best interest to build teamwork and keep their families committed to working together. We work closely with our clients to conduct regularly scheduled family governance meetings to accomplish these objectives. Topics can include delineating the family’s vision and values, defining the role of each family member, creating policies, multigenerational planning, financial education for younger family members, and facilitating business-family communication.
Giving cannot only help the organizations you choose, but can also generate personal tax benefits and advance your wealth management plan. We can help you with solutions that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.
Through Raymond James, we offer personal lines of credit*, investment accounts with check writing, online bill payment, enhanced reporting and more. We also can assist you in evaluating short-term interest-bearing instruments, such as brokered certificates of deposit, and cash sweep options.
*The personal line of credit is through a margin account.
A margin account may not be suitable for all investors. Borrowing on margin and using securities as collateral involves a high degree of risk, and an investor can lose more funds than he or she deposited in the account. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash in the account. The securities in the account may be sold by the firm to meet the margin call, and the firm can sell the investor’s securities without contacting them. An investor is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a margin call. The firm can increase its maintenance margin requirements at any time and is not required to provide an investor advance written notice. An investor is not entitled to an extension of time on a margin call. The interest rates charged are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information.
Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, member FDIC, a nationally chartered bank. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc. companies are not insured by the FDIC or any other government agency; are not deposits or other obligations of Raymond James Bank; are not guaranteed by Raymond James Bank; and are subject to investment risks, including possible loss of the principal invested.
115 E. Putnam Ave, 3rd Floor| Greenwich, Connecticut 06830 | T: 203.900.4403 | F: 212.818.1115 | Map & Directions
570 Lexington Avenue, Suite 1600 | New York, New York 10022 | T: 212.818.1300 | F: 212.818.1115 | Map & Directions
Latitude One, 175 Southwest 7th Street, Suite 1900 | Miami, Florida 33130 | T: 305.529.6287 | F: 786.837.0465 | Map & Directions
Securities offered through Raymond James Financial Services, Inc., member FINRA / SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Tempus Advisors is not a registered broker/dealer, and is independent of Raymond James Financial Services. Raymond James 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.
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