Services
FINANCIAL SERVICES IN LAKELAND, FL
At James I. Black, our staff has a combined 155 years of experience. We are locally owned, allowing you more personalized service and competitive fees. Our relationship with you is private and confidential. We never sell or give out our client information. We will work with your accountants / attorneys on tax matters, estate settlements, probates, etc. There is always a free consultation. We pride ourselves in operating with full disclosure. You will always know exactly the fees and commissions you are charged.
Retirement Planning
Retirement planning has evolved over history to become arguably the most important financial planning consideration facing society today. With Social Security under the ever increasing strain of a growing and aging population, our government has continually expanded tax incentive for employers and individuals to contribute to a broad array of tax qualified retirement plans. These plans included defined benefit plans, defined contribution plans, employee stock option plans, profit sharing plans, 401-K plans, 403 (b) plans, 457 plans, SIMPLE plans, Simplified Employee Pension Plans (SEPs), traditional IRAs and Roth IRAs. Whether you are an employer contemplating a retirement plan, a participant in such a plan or an individual contemplating an IRA, our staff is prepared to guide you in making the appropriate choices.
One very critical area of retirement planning today is that of retirement distribution planning. With the increase in numbers of employees reaching normal retirement age, and the growing number of terminations from corporate downsizing, mergers and acquisitions, the number and dollar amount of retirement distributions has grown enormously. Distributions from employer sponsored retirement plans afford participants a number of different options and tax ramifications depending on plan specifics. The most commonly prescribed avenue for such distributions is the rollover IRA which defers taxation and can provide additional advantages as well if properly structured. This is not always the appropriate election, however, and a thorough evaluation is necessary in each case to determine the best option.
The staff at James I. Black & Company has always diligently monitored the regulations and reforms governing all aspects of retirement plans and is prepared to evaluate your particular needs.
One very critical area of retirement planning today is that of retirement distribution planning. With the increase in numbers of employees reaching normal retirement age, and the growing number of terminations from corporate downsizing, mergers and acquisitions, the number and dollar amount of retirement distributions has grown enormously. Distributions from employer sponsored retirement plans afford participants a number of different options and tax ramifications depending on plan specifics. The most commonly prescribed avenue for such distributions is the rollover IRA which defers taxation and can provide additional advantages as well if properly structured. This is not always the appropriate election, however, and a thorough evaluation is necessary in each case to determine the best option.
The staff at James I. Black & Company has always diligently monitored the regulations and reforms governing all aspects of retirement plans and is prepared to evaluate your particular needs.
Stocks
Investing in the equities markets requires a knowledgeable, professional hand. We recognize and respect that stock related investments are vital to your financial future and that of your family. Would you really trust something that valuable to a cheap television marketing gimmick or a free phone app? You need genuine financial advice and specialized knowledge. Make sure you're in good hands with James I. Black and Company.
Bonds
Otherwise referred to as fixed income securities, bonds have evolved over
time to be a many faceted asset class, including U.S. Government and Federal
Agency issues, Municipal (tax free) bonds, corporate bonds, mortgage backed
securities, and more. Navigating this important part of your portfolio requires
the experience and knowledge that your James I. Black and Company staff possesses.
Mutual Funds
When James I. Black & Company was founded in 1964, there were approximately 70 mutual funds in existence. Today there are over 15,000. With this huge popularity of mutual funds came a broad array of new fund investment objectives, management styles, pricing structures and sadly, enormous confusion on the part of the investing public.
Over the years, as an independent firm, James I. Black & Company has concentrated on screening the universe of mutual funds out there to identify those who have consistently produced superior performance over long periods of history with the most reasonable costs to shareholders. Our seasoned account executives can not only take the confusion out of fund selection, but will absolutely address the most important of consideration, your goals and objectives. All too often in today's highly competitive marketing environment, vital fund facts affecting investment results such as discounts available, fund expenses, dealer compensation and a full comparison of share classes are not thoroughly disclosed. Projected fund returns are often exaggerated as well and the issue of volatility ignored. Federal income tax considerations are also sometimes overlooked. Our mission at James I. Black & Company is to arm you with every bit of information you need to make an informed and comfortable mutual fund investment with realistic expectations.
As a true independent, James I. Black & Company has selling agreements with most of the mutual companies in existence today. Whatever your style and objective we can guide you to the best funds for you.
Over the years, as an independent firm, James I. Black & Company has concentrated on screening the universe of mutual funds out there to identify those who have consistently produced superior performance over long periods of history with the most reasonable costs to shareholders. Our seasoned account executives can not only take the confusion out of fund selection, but will absolutely address the most important of consideration, your goals and objectives. All too often in today's highly competitive marketing environment, vital fund facts affecting investment results such as discounts available, fund expenses, dealer compensation and a full comparison of share classes are not thoroughly disclosed. Projected fund returns are often exaggerated as well and the issue of volatility ignored. Federal income tax considerations are also sometimes overlooked. Our mission at James I. Black & Company is to arm you with every bit of information you need to make an informed and comfortable mutual fund investment with realistic expectations.
As a true independent, James I. Black & Company has selling agreements with most of the mutual companies in existence today. Whatever your style and objective we can guide you to the best funds for you.
Futures & Commodities
Our futures clearing merchant is StoneX and Marex.