Palm Beach Wealth Advisors of Raymond James

04/27/2026

Marriage brings exciting new possibilities, and likely shared financial responsibilities. Consider these nine tips to work toward a strong financial future together:

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04/26/2026

Peace of mind comes from knowing your affairs are in order. An heir preparation packet helps loved ones navigate key responsibilities with clarity and confidence during a difficult time. Learn what belongs in yours:

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04/24/2026

Earnings season will help set market direction. Chief Investment Officer Larry Adam explains three key things to watch with first quarter earnings season underway:

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04/08/2026

When uncertainty rises, investors often feel they have to respond.

That is usually when the biggest mistakes happen.

A few of the most common ones:

1. Reacting emotionally to headlines
News cycles are designed to grab attention, not build wealth. Making portfolio decisions based on fear or noise often leads to poor timing.

2. Confusing volatility with risk
Just because markets move does not automatically mean your plan is broken. Temporary swings are uncomfortable, but they are not always a reason to make major changes.

3. Trying to time the market
Many investors want to "wait until things calm down." The problem is that the market often recovers before confidence does.

4. Abandoning the plan
A good financial plan is built with uncertainty in mind. Changing strategy every time markets get uneasy can do more damage than the uncertainty itself.

5. Ignoring opportunity
Periods of uncertainty can also create openings to rebalance, tax-loss harvest, upgrade portfolio quality, or revisit long-term goals.

The most important question during uncertain times is not: "What is the market going to do next?"

It is: "Does my current strategy still align with my goals, time horizon, and risk tolerance?"

Discipline may not feel exciting, but in investing, it is often what matters most.

04/02/2026

Sharing the latest Investment Strategy Quarterly from Raymond James: State of Play: Discipline Over Emotion. This quarter's publication explores several timely themes, including the affordability crisis, a pivotal moment for the Fed, broadening equity market leadership, and the role investor sentiment continues to play across markets.

In an environment shaped by policy uncertainty, shifting sector leadership, and persistent headline noise, one principle continues to matter most: staying grounded in fundamentals and focused on long-term goals.

A few themes that stood out to me:
• Why affordability challenges are more complex than interest rates alone
• How market leadership is broadening beyond the narrow winners of the last two years
• Why discipline and portfolio construction matter more than reacting to short-term sentiment

Grateful for the depth of insight from the Raymond James Investment Strategy team. Looking forward to the conversations this piece will spark.

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02/25/2026

With benefits satisfaction closely tied to improved workplace experiences, including higher motivation and reduced burnout, employers can elevate outcomes by designing benefit programs that blend essential offerings with personalized support for employees at every stage in life.

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12/30/2025

The markets were resilient in 2025. With 2026 also likely to present challenges, Raymond James Chief Investment Officer Larry Adam previews his themes for the markets and economy.

10/24/2025

The Social Security Administration has announced a 2.8% Cost-of-Living Adjustment (COLA) for 2026, slightly up from 2025's 2.5% increase. This marks the fifth consecutive year of COLA increases at or above 2.5%, a streak not seen since the 1990s

10/22/2025

The Most Powerful Force in Investing: Time.

Albert Einstein reportedly called compound interest the eighth wonder of the world. Whether he said it or not, the principle holds true, especially in investing.

Start early. Stay invested. Let time do the heavy lifting.

Too often, we focus on trying to "time the market", predicting highs and lows, chasing trends. History has shown that time in the market beats timing the market almost every time.

Here's why:
- A 25-year-old investing $5,000 annually at a 7% return will have over $1 million by age 65
- A 35-year-old investing the same amount will end up with less than half that.
- Missing just the 10 best days in the market over a 20-year period can drastically reduce your returns

The earlier you start, the more time your money has to grow exponentially. Compounding isn't just addition, it's multiplication over time.

Consistency and patience are your greatest allies.

Invest early. Invest often. Stay the course.

10/20/2025

38 Years After the 1987 Market Crash

On October 19, 1987, the Dow Jones Industrial Average fell 508 points, a staggering 22.6% in a single day, the largest one-day percentage drop in its history. The S&P 500 dropped as well, losing over 20%. This event sent shockwaves across global markets and reshaped how we think about volatility, liquidity, and systemic risk.

Despite the panic, the market showed remarkable resilience:
- Within two trading sessions, the Dow recovered 57% of its losses.
- By 1989, less than two years later, it had surpassed its pre-crash highs.

Fast forward to today:
From the 1987 crash bottom, the Dow has grown from around 1,738 to over 46,000 as of today, an increase of more than 2,500%.

This anniversary reminds us:
- Time in the market, not timing the market.
- Market crashes are painful but temporary.
- Structural reforms like circuit breakers and improved risk management were born from this crisis.

As we mark 38 years since Black Monday, it's a moment to reflect on the lessons learned, and the enduring strength of the markets.