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Creating / Updating a Financial Plan: Set clear financial goals and create a roadmap for your future.
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Budgeting / Consulting on Debt: Manage your expenses and debt wisely while saving for the future.
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Saving / Spending Rate: Develop a sustainable savings plan and spending strategy.
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College Planning: Plan ahead for higher education costs, whether for yourself or your children.
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Employer Benefits Review: Maximize the value of your employee benefits, including insurance and retirement plans.
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Current 401(k) Allocation: Help ensure your retirement savings are optimized for growth.
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Tax Smart Planning: Leverage tax-efficient products and strategies to mitigate liabilities and build wealth.
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Life, Health, Home, & Auto Insurance: Help secure your future with the right insurance vehicles.
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Update Financial / Retirement Goals: Adapt your financial plans to changing life circumstances.
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Employer Benefits Review: Ensure you’re making the most of company-provided benefits, like a 401(k) and health insurance.
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Business Retirement Plans: Optimize retirement plans for business owners and ensure proper business succession strategies.
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College Planning: Continue preparing for your children’s educational expenses.
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IRA vs. Roth IRA Strategies: Maximize your contributions for tax savings and future healthcare needs.
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Optimizing 401(k) and HAS Contributions: Help to ensure your retirement savings are optimized for growth.
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Property & Casualty Insurance Review: Protect your home, vehicles, and other assets with the right coverage.
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Umbrella Insurance Policy Review: Secure broad coverage to protect against unexpected liabilities.
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Trust / Will Review: Revise and update your estate planning documents to protect your family’s future.
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Power(s) of Attorney: Ensure proper legal authority in case of emergencies.
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Guardianship for Children Review: Help secure the future of your children by setting up guardianship.
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How to Transition to Retirement Successfully: Provide guidance for making the shift from working life to retirement seamless.
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Cash Flow / Retirement Income Planning: Help ensure steady income in retirement to cover your lifestyle.
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Social Security / Medicare Review: Plan the best time to take Social Security and choose the right Medicare options.
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Spousal Gap Coverage: Ensure continuous health insurance for your spouse if retirement ends their current coverage.
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Long-term Care Insurance Planning: Prepare financially for future healthcare needs.
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Business Exiting Strategies: Develop a strategy to exit or sell your business.
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Estate Planning Review: Ensure your estate plan reflects your current goals.
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Charitable Gifting with Stock or IRA: Use appreciated stock or IRA assets for smart tax-saving strategies.
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Lifestyle Adjustment and Counseling: Guidance on transitioning to a post-career lifestyle, including finding a new purpose, managing free time, and nurturing social connections.
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Tax-Efficient Withdrawal Strategies: Minimize taxes by strategically withdrawing from taxable, tax-deferred, and tax-free accounts.
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Investment Risk Management: Adjust your investment strategy to reduce risk and ensure it aligns with your retirement timeline and income needs.
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Private Pensions: Plan for income from private pensions or annuities.
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Structure Accounts for Retirement: Align your finances with the activities and passions you want to pursue in retirement.
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Cash Flow / Retirement Income Planning: Secure consistent income streams to fund travel, hobbies, and family time.
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Required Minimum Distribution (RMD) Planning: Avoid penalties and optimize your RMD strategy.
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Roth IRA Conversion Planning: Convert traditional retirement savings accounts to a Roth IRA to minimize large RMDs and avoid increases in Medicare premiums.
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Medicare Insurance Review: Ensure you have the right Medicare coverage, including addressing gaps and drug plan needs.
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Charitable Gifting Strategies: Give purposefully with tax-efficient strategies for making charitable contributions.
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Values-Based Estate Planning: Ensure your financial plan reflects your personal values and legacy goals.
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Health & Wellness Planning: Incorporate strategies for staying active and maintaining health, which can influence retirement longevity and expenses.
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Aging in Place: Plan for living comfortably in your home as long as possible.
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Long-Term Care Expenses: Prepare for potential healthcare and assisted living costs.
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Medicare Insurance Review: Ensure you have the right Medicare coverage, including addressing gaps and drug plan needs.
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Wealth Preservation Strategies: Preserve your assets from unnecessary taxes and risks.
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Passing On / Recording Your Legacy: Leave a lasting legacy through purposeful planning.
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Beneficiary Education & Family Meetings: Outline your estate plan to your children, ensuring they understand inheritance details, responsibilities, and your wishes.
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Power(s) of Attorney & Medical Directives: Keep important legal documents current to handle healthcare and financial matters.
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Loss of Spouse Tax Planning: After losing a spouse, tax planning is crucial for the surviving spouse to minimize higher tax rates.
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Charitable Legacy Planning: Support legacy goals through tax-efficient charitable giving strategies in later life.
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Longevity Planning: Help ensure your resources last as long as you do.
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Spousal Income Preservation: Presevere your spouse’s financial security after your passing.
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Estate Settlement Assistance: Help the surviving spouse or family navigate estate settlement, ensuring efficient wealth transfer and avoiding probate delays.
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Maintain Legal Documents: Maintain and verify Power(s) of Attorney and Medical Directives documents.
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Beneficiary Review: Review and update beneficiaries on all accounts and policies.
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Cognitive Decline Planning: Establish a power of attorney or trust to manage financial decisions if cognitive health declines.
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Social Support Planning: Create a plan to maintain span social connections through community activities and support from family and friends.
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Multiple Generation Planning: Ensure a smooth transition of wealth across generations.
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Attorney & CPA Coordination: Coordinate with legal and tax professionals to protect your estate.
Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Achieving financial independence doesn’t have to be complicated. Our quick and easy financial security formula can simplify decision-making and can help keep you on track. Those who follow it are trailblazers on the path to lasting financial freedom.
To Become a Trailblazer
How the formula works
Spend less then you make and save the difference.
You need time to compound your savings.
Staying invested through the volatility of markets.
Your wealth could enable you to live life on your terms, no matter where you’re at in your journey. At NuVista, we provide the expertise in guidance you need to create, grow, preserve, and transfer your wealth with confidence.
Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Holding investments for the long term does not insure a profitable outcome. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Past performance does not guarantee future results.