Over time, new milestones approach, goals shift, and needs change. Life doesn’t stand still, and neither do we.
At Laguna Wealth Services, you will find a proactive team of planning and investment professionals ready to meet your needs and anticipate them as your life unfolds, your career evolves, and your family grows.
Our investment strategies are designed to address your unique financial situation. We help manage your portfolio with a focus on managing risk and adding value.
Count on us for the flexible range of services necessary for the ever-changing needs in your life – right when you need them, right here in Corpus Christi.
Not FDIC Insured.
Do you see yourself in the clients we serve?
Like many of our clients, you might be described as financially savvy and successful. You have worked hard all your life, been a disciplined saver and always lived within your means. Outward displays of your wealth are not apparent to the casual observer because you consider it a personal matter and you enjoy your privacy.
We help families address the many financial matters they face, balancing today’s needs with the goals of tomorrow. Our mission is to serve as your family’s financial advisors for life, building your legacy as your family builds, grows, and evolves into future generations.
We help retirees with a personalized plan designed to preserve their wealth and mitigate the impact of market risk, taxes, and inflation. This includes a withdrawal strategy that strikes a balance between your need for monthly income and making your money last. We also review matters such as Social Security and Medicare. Plus, we collaborate with legal and insurance professionals on estate plans, life insurance, and long-term care.
We help young professionals clarify their goals and map out a long-term plan for the milestones ahead – such as buying a home, paying for their children’s college educations, and saving for retirement. We stress the importance of establishing good financial habits and strategies – controlling debt, prioritizing needs, building an emergency fund, having insurance protection, and contributing to a company retirement plan.
We understand the challenges business owners face and offer advice and strategies designed to take their business to the next level. We help with matters such as asset protection, cash management, company retirement plans, insurance, financing, succession planning, 401(k) plan design, and, of course, eventual retirement.
Investment banking services are offered through Raymond James, a full-service investment bank with national and international capabilities providing expertise in mergers and acquisitions, including buy-side, and sell-side assignments.
How we work together.
1. Understand your needs.
Our process typically begins by getting to know you and your family while gathering information about your current circumstances, your future goals, your concerns and your aspirations. During this phase, we discuss the strategies and services available to help solve the specific financial challenges you face.
2. Design a comprehensive plan.
Your plan may focus on a single objective or a more complex strategy. Your plan could be as singular as saving for retirement or a child’s education, monetizing a concentrated equity position, or establishing a trust to benefit a child with special needs. Or, you may require a complex strategy that includes help with positioning and selling your business. You may be in need of multiple strategies; keeping your business, developing an effective plan for retirement, and establishing a charitable trust to fund your philanthropic desires.
3. Implement your plan.
In this phase, the planning is put into motion, collaborating with other relevant professionals as needed – Raymond James specialists or your current attorney or CPA. Your plan is based on the goals uncovered in previous steps of the advisory process and factors in your investment horizon, as well as the types and levels of risk that you can afford and with which you’re comfortable.
4. Manage your plan.
Financial planning is an ongoing process in which it’s essential to monitor the progress of your investments within the context of your goals and periodically review all relevant information. It may become necessary to adjust the particular components of your plan in light of changing circumstances and evolving objectives. Should economic and financial circumstances warrant, our team may also recommend tactical changes to your portfolio – while still adhering to your long-term goals.
The wealth management experience successful lives demand.
Our alignment with the broker/dealer Raymond James is another important part of how we serve our clients. Raymond James is one of the largest independent financial services firms in America. It has grown to become a well-respected, widely recognized multinational firm with distinct business units that serve a variety of clients, from individuals and small business owners to municipalities and major corporations. The firm’s professionals in its St. Petersburg, Florida, headquarters provide additional support and resources to help us best serve the needs of our clients.
We’d like to invest some time
in knowing you.
It’s the key that enables us to serve as your
trusted financial partner, guiding you through
the major transitions and milestones of your
life. Throughout it all, we’ll stay closely
connected with you and your life, and keep
you fully apprised of how your portfolio is
progressing toward your goals.