A full range of services to address your needs

There is a deeply personal reason behind Bryan Oglesby’s particular focus on financial planning after a cancer diagnosis. His wife, LeAnne, battled stage 4 colon cancer for almost three years and got her angel wings in May 2018.

He knows how emotionally hard it is when a loved one receives a diagnosis of cancer. He can certainly empathize with you and provide emotional support, but he can also help you address the many financial decisions you encounter.

He applies his deep experience and knowledge to assisting families with financial planning and getting their affairs in order after hearing such unthinkable news.

He can collaborate with your estate planning attorney to make sure you have all the documents in place just in case. It is important to have an up-to-date will outlining how you want your financial affairs managed and assets distributed after you pass away. It can ensure your wishes are honored and save your family time and money as well as additional heartache.

If you have retirement accounts, property and other investments, you may want to establish a revocable trust. It’s a more involved document than a will. You can change the terms of it while you’re alive, but upon your passing it becomes irrevocable and can’t be changed.

You should have a document appointing the person of your choosing as a personal representative, someone capable of settling your estate. It can be your spouse, adult child, best friend, sibling or your attorney.

You should also appoint someone as your healthcare proxy and someone to make financial decisions on your behalf if you become unable to do so to help you budget for your treatment and reduce any non-essential expenses.

Above all, Bryan encourages everyone to get cancer screenings, because early detection is the number one key to survival.

Financial planning is not an investment product, but rather an ongoing process designed to help you achieve your goals and make smart decisions. It begins by evaluating your current financial situation, identifying and clarifying your goals, designing the appropriate plan for pursuing them, and reviewing its progress over time. We look at planning through a wide lens and develop strategies designed to pursue your short- and long-term goals.

Preserving your wealth and maintaining your standard of living are among your highest priorities. People are living longer today, so the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, asset preservation and reallocation, account titling and beneficiaries, multigenerational wealth transfer and charitable giving.

Raymond James and its advisors do not offer tax advice. You should discuss any tax matters with the appropriate professional.

Retirement concerns are not solely about financial matters, but also about quality of life and levels of independence. Because people are living longer today, many of today’s retirees can expect to live another 30 years. It’s why we also provide longevity planning, to address important issues associated with aging and the effects of increasing life expectancies as they relate to housing, healthcare, caregiving and transportation.

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 assets accumulated over your lifetime are protected and preserved for the use you have intended.

Giving can not 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, including private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor advised funds.

Through our affiliate Raymond James Trust, N.A., we offer a full array of trust structures, including charitable-giving tools. Whether your goal is to mitigate estate taxes, provide for loved ones or dictate how you want your wishes to be carried out, we can help.

Raymond James and its advisors do not offer tax advice. You should discuss any tax matters with the appropriate professional.

Funding a child’s or grandchild’s higher education can be a personally rewarding use of your wealth. We can help you provide for this opportunity with investment vehicles such as 529 college savings accounts and specialized trust vehicles.

Earnings in 529 plans are not subject to federal tax and in most cases state tax, as long as you use withdrawals for eligible education expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible education expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings. An investor should consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. Such benefits include financial aid, scholarship funds and protection from creditors. 529 plans offered outside their resident state may not provide the same tax benefits as those offered within their state.

Your goals and needs are unique, so we believe your investment strategy should follow suit. We offer access to a wealth of quality investment opportunities to help fit your objective, whether it is growth, capital preservation, income or other factors. Using our extensive experience with the various choices for your portfolio, we can help guide you toward investments suitable for your circumstances. Our offerings include stocks, bonds and other fixed-income investments, mutual funds, exchange traded funds (ETFs), annuities, separately managed accounts and more.

There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss.

We can help you develop, implement and manage a retirement or benefit plan suitable to the needs of your business, as well as those of your employees. In addition, we can provide valuation analyses for businesses and ESOPs, as well as help you find appropriate insurance coverage for your company.

When it comes time to sell your business, we can work with you to properly value your business, create a succession plan designed to maximize its financial potential, and address the details essential to all parties concerned. Collaborating with your tax and legal professionals, we can work to ensure your interests are well represented as you transition out of your business and move on to the next stage of your life.

Our investment objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We believe a proper allocation among different investments and asset classes can be an effective way to pursue your goals.

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 any investment will meet its investment objectives or that substantial losses will be avoided.

A comprehensive financial plan must consider and prepare for the unexpected, such as accidents, illnesses and disability. Our team will help you think ahead and consider different scenarios, then prepare contingency plans to address them. We understand while risk cannot be eliminated, it can and should be mitigated. Our risk management services include life insurance, annuities, long-term care, disability insurance and liability insurance.