Sanford Financial Services

Selected by Barron’s as one of the nation’s top 1,000 advisor’s and ranked #11 in the state of Michigan*

“The advisors at Sanford Financial Services offer a wide variety of financial services to our clients.”

Our Broker Dealer, Raymond James Financial Services, Inc., is an integral part of our team. They provide reporting, compliance, product due diligence, and general financial planning support.

Each member of our highly qualified team brings a specialized background of financial expertise to better serve your needs. This diversity allows us to properly advise individuals and businesses on a variety of financial issues.

Along with technical expertise and experience, we pride ourselves in helping people make small changes now that can contribute to significant benefits in the future. Our systematized process ensures that every administrative detail is covered within a timely manner. Each of our clients receives a comprehensive evaluation of their individual situation, broken down into seven key areas:

Financial Assessment: We evaluate and identify strengths and weaknesses. We review assets and debts to determine appropriate ratios and suggest risk reduction strategies. Being debt free is an important component to achieving financial success.

Portfolio building and investment analysis: We review all investments and provide recommendations among different types of asset classes designed to fulfill personal objectives.

Insurance Planning: We review life, disability insurance coverage, and long-term care insurance when appropriate.

Tax Planning: We assess projected income and estate taxes to determine if there is a more effective way to allocate funds to legitimately minimize tax liability.

Retirement Planning: We create a projection of the future (at-retirement values) of taxable investments, pensions, IRA’s and expected Social Security benefits.

Estate Planning: We assess the need for an updated will, revised trusts, health care documents, and provide advice on charitable gifting.

Education Funding: We project the cost of higher education and look for appropriate and creative methods of funding.

Client Bill of Rights · Privacy Notice

*Todd Sanford was recently named to Barron's list of “The Top 1,000 Advisors” in the country. The 2010 list, published February 22, ranked 1,000 advisors from all 50 states and the District of Columbia. Sanford ranked 11th overall in the state of Michigan. This list of distinguished advisors was produced by Barron's, after conducting extensive research, surveys and interviews and weighing factors such as advisors' assets under management, revenue generated, quality of service and regulatory records. Past performance is not indicative of future results. Individual experiences may vary.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information ability. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, and are: Not deposits, not insured by FDIC or any other governmental agency, not guaranteed by the financial institution, subject to risk, may lose value. Links are being provided for informational purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.