Duff & Associates

Planning Pays Off

 

In 1986, Daniel P. Duff, already an accomplished financial planner with a major brokerage firm, recognized that the products he was required to sell sometimes conflicted with his clients' best interests.  So, in an effort to better serve them, he decided to become an independent planner, opening his own firm, Duff and Associates, and chose Raymond James Financial Services as his broker/dealer. For Dan, this was a simple choice because Raymond James did not require that proprietary investments be sold and had no conflicting commission schedules, therefore allowing the opportunity for him to decide what was best for each client's needs without any conflicts. In addition to these significant benefits, Raymond James was also large enough to offer the professional support to service his clients and grow his business.
 

Now, twenty-five years later, Dan has retired and our business has grown, but our commitment to the client, not the commission, remains the same. Together with Raymond James, at Duff and Associates we look forward to a long future of providing unbiased financial advice that works for YOU.
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Newsletters

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

Ways to Save More

About two out of three American workers are saving for retirement, but less than half are confident that they will save enough money to live comfortably during their retirement years. This article includes suggestions for readers to take small steps that could make a big difference when they are ready to retire.

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

New Opportunity Under the Federal Gift Tax

The 2010 Tax Relief Act raised the lifetime gift-tax exclusion to $5 million. This means it could be a good time to make the most of tax-free gift transfers. If so, it's important to understand the annual and lifetime gift exemption limits, as well as which gifts might not be subject to them.

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