Do You Have Enough?

The team at Trinity Capital Management in Germantown, TN offers a broad range of wealth management solutions. From professional asset management to trust services, our innovative strategies will help build financial independence.

Do I have enough to retire?

Knowing how much you need to retire can be tricky for investors. It depends on several factors: Are you debt free? Will you have Social Security? Will you have a pension? And of course how much you have saved and the value of your investments and what they can produce in income to you throughout your retirement years.

When meeting with your Trinity Advisor, they will ask for all financial information you can provide, conduct a thorough analysis on your holdings, cash flow and income needs. Once this information is gathered, they will then with your collaboration and information create a financial plan that can determine the number that you know you will need to be able to retire.

To find out what your number is, schedule an appointment with Trinity Capital today.

Do I have enough to leave a legacy?

Leaving a legacy can have multiple meanings to investors. Are you wanting to leave a legacy or inheritance to your spouse, kids or other family members? Are you wanting to leave a legacy gift to your favorite or multiple charities? All of these desires can be obtained with the guiding assistance from your Trinity Capital Advisor.

A financial plan will be created with your legacy goals in mind without interrupting your present day lifestyle or you have to give up control over your financial destiny while at the same time achieving your legacy goals.

Do I have enough to have fun and accomplish "extra" goals?

One of the main benefits of retiring or retiring early to most investors is the ability to not just "get by" but have extra money to have fun! Investors want the ability to travel, spend more time with family and friends, dine out more frequently, perhaps buy their dream car or recreational vehicle, take music or flying lessons, or upgrade their existing home and maybe buy their dream or vacation home.

Whatever you consider your "fun" to be, know that the guiding hand of your Trinity Advisor will be there with you every step of the way. So what are you waiting for? Call Trinity today and schedule some fun planning!

Do I have enough tax protection?

Reducing taxes seems to always make it near the top of investors wish lists year to year. Fortunately, there are many investment opportunities that exist that are ethical ways to curb your taxable and/or retirement income.

You may be familiar with traditional investments that create tax-free income opportunities in many instances such as tax-free municipal bonds. However, the last few years, our industry has seen many tax havens and tax reducing investment strategies and opportunities for investors to take advantage in participating. For example, the 2018 tax bill has created some opportunities for investors to invest in their own communities and receive a tax break simultaneously.

To learn more about ways to potentially reduce your taxes in pre-retirement or post-retirement, please call us today at Trinity Capital and we would be happy to meet with you and see what you may qualify to take advantage of in helping with your tax situation.

While many investors want to see their assets grow, capital preservation and risk management take on extra importance when you reach a certain level of wealth.

Maintaining your standard of living, providing for your family, generating income while mitigating tax consequences, safeguarding your wealth against unexpected events – these concerns have taken center stage.

With access to extensive resources and specific expertise, your Trinity Capital Management advisor can help with all these issues as well as others that may arise.

Our services include:

Asset Allocation

Asset allocation may be an important determinant of overall investment performance and risk. Choosing the right mix of asset classes can help reduce portfolio volatility.

Your Trinity Capital Management advisor will make asset allocation a key component of your investment strategy, selecting a mix of asset classes that reflects your specific financial objectives, time horizon, and tolerance for risk. Asset allocation does not assure a profit or protect against a loss.

Depending on individual asset allocation objectives or strategies, additional risks may apply.

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Concentrated Equity Positions

Family wealth is often concentrated in a single stock, either inherited or earned during a successful business career. If you’re in this situation, there are many choices available to you beyond simply holding or selling the stock.

Although reducing the inherent risk of a concentrated equity position can be complicated, your advisor has access to experienced professionals at Raymond James who can provide a variety of solutions that can hedge, monetize, diversify, or transfer the position while managing the tax implications.

Insurance

Insurance can play a key role in protecting your wealth and providing for the ongoing needs of your family. Your financial advisor can work with the experienced professionals in our wholly owned subsidiary, Raymond James Insurance Group, to determine the types and degree of insurance protection best suited to your specific requirements.

Trinity Capital Management provides access to a full range of products from disability and long-term care to term and permanent life insurance policies for both personal and business needs. Depending on your specific situation, insurance strategies may also provide you with tax and wealth transfer benefits.

Tax-Managed Investments

Wealth and taxes are may be linked, and erosion of net investment gains due to taxes is a real risk of sustaining wealth. Considering tax-advantaged investments can have a significant effect on what you pay and what you keep.

Your advisor also can provide a custom analysis of all your investments no matter where they are held, and help you structure a portfolio that reflects your specific tax profile.

Please note, changes in tax laws may occur at any time and could have a substantial impact upon each person’s situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.

Build Your Legacy

One of the most rewarding aspects of substantial wealth is being able to share it with others. Your Trinity Capital Management advisor, working with your legal and tax professionals, can help develop a plan that enables you to maintain the lifestyle you deserve now while also building a financial legacy.

Estate Planning

A carefully crafted estate plan allows you to control your assets while passing your wealth on to your beneficiaries efficiently and in a manner that reflects your personal values and objectives.

Raymond James provides a range of consulting services to help you and your advisor develop a customized estate plan including wealth replacement strategies, complete trust services, tax strategies, and more.

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Trust Services

The professionals at Raymond James Trust have extensive experience with individual trusts as well as living, charitable remainder, life insurance, specialty, and IRA rollover trusts.

Together with your Trinity Capital Management advisor, they can develop personalized solutions to your specific needs that also provide you with the objectivity and resources of a corporate trustee.

Charitable Giving

When it’s strategically executed, charitable giving can not only help the organizations you choose but can also generate personal tax benefits and potentially advance your overall wealth management plan.

Your Trinity Capital Management advisor can help you accomplish these goals with solutions that include private family foundations, charitable remainder trusts, charitable lead trusts, charitable gift annuities, as well as pooled-income and donor-advised funds.

Education Funding

Funding a child or grandchild’s higher education may be a personally rewarding use of your wealth. Your Trinity Capital Management advisor can provide you with options for helping those you cherish that include custodial accounts for minors, section 529 college savings plans, sophisticated trust solutions, and more

Addressing the complexities of wealth in today’s markets may require professional guidance, a disciplined process, and access to an extensive set of product and service solutions.

Your Trinity Capital Management advisor can provide direction in implementing not only traditional investment solutions but also more sophisticated investment alternatives- both now and as your life and objectives change over time.

These include:

Professional Asset Management

This utilizes advanced asset allocation techniques and carefully selected money managers across a range of equity and fixed income disciplines.

There is no assurance that any investment program will result in success. Investing involves risk and investors may incur a profit or a loss. Separately Managed Accounts (SMAs) may not be appropriate for all investors. It is important to review investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager.

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Alternative Investments

These include real estate, private equity, commodities, managed futures, structured products, and hedge funds. The Raymond James Alternative Investments Group reviews and selects investments in this category, which can add diversification to portfolios, offer enhanced return potential, and provide access to exclusive investment talent.

Alternative investments involve specific 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. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in hedge funds, managed futures or other similar strategies if you do not require a liquid investment and can bear the risk of substantial losses. There can be no assurance that any investment will meet its performance objectives or that substantial losses will be avoided. Diversification does not ensure a profit or protect against a loss.

Corporate Services

These services provide corporate executives and business owners with specific solutions to the challenges of managing a company, often the most important asset you own.

Your Trinity Capital Management advisor and the firm’s professionals provide guidance ranging from selecting an appropriate employee retirement plan to assisting growth companies in attracting capital.

Additionally, Raymond James offers full service investment banking capabilities that includes public offerings, mergers and acquisitions, as well as restructures.

Credit, Lending, and Cash Management

This deals with both sides of your professional balance sheet including your borrowing and cash management needs. Raymond James offers personal lines of credit, mortgages,* and investment accounts with check writing, online bill pay, enhanced reporting, and more.

The advisors at Trinity Capital Management can also assist you in evaluating short-term, interest-bearing instruments such as brokered certificates of deposit, money market funds, and cash sweep options.

*Raymond James Associates, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.

An advisor at Trinity Capital Management is committed to doing what is best for our clients. That means a strong advisor-client relationship, supported by extensive resources and experienced professionals with expertise in a wide range of wealth management disciplines.

We deliver customized solutions and personal service backed by an unwavering dedication to professional integrity.

To support our advisors in the wealth management process, Raymond James has created the Wealth Management Solutions department, a focused team of experienced professionals who specialize in issues affecting the firm’s largest clients.

For those clients who are able to commit assets of $5 million or more to Raymond James, this team becomes an exclusive resource to you and your advisor in addressing complex wealth management issues, including but not limited to:

• Handling the impact of significant wealth events (sale of a family business, retirement with significant assets, inheritance, etc.)
  
• Complex legacy planning and charitable giving design
  
• Dealing with large concentrations in a single security
  
• Developing customized portfolios incorporating sophisticated investment strategies
  
• Seeking maximum returns on large cash portfolios
  
• Tax minimization strategies
  
• Asset preservation strategies
  
• Exit strategies for business owners
  
• Use of trusts for estate planning