Owens Estate and Wealth Strategies Group

It's important for your business to have cash on hand to meet everyday expenses, pay salaries and suppliers, invest in new equipment, real estate or technology, and fuel growth and expansion. Learn more about useful cash management strategies:

Managing cash, the essential fuel of your business www.raymondjames.com

For business owners hoping to pass their franchise on to the next generation, it's important to implement a clear succession plan early. Learn how to get started:

Keep it in the family: succession planning for franchise owners www.raymondjames.com

If it feels like your objects own you, and not the other way around, review these tips to free yourself. You might be surprised at how letting go of the past makes way for the future you've pictured for yourself.

Buckle up and pare down: Shed the excess clutter www.raymondjames.com

The topic of substance abuse is delicate and particular from family to family. However, it's an important element of estate planning for families with a history of substance abuse.

Should your estate plan address addiction? www.raymondjames.com

In giving your child the gift of financial literacy, you're helping set them up for a brighter future. Through a purposeful approach, we can all do our part to raise the next generation of resourceful citizens.

4 priceless money lessons for kids www.raymondjames.com

Want your children to learn life skills that will make them confident, resilient adults? You can teach them about business early. Here are four ways:

Four ways to teach your kids about business www.raymondjames.com

A 529 plan can be a very helpful saving tool when it comes to planning for education expenses. Understand the basics of 529s and how they can work beyond just college savings.

Saving for K-12 education with a 529 plan www.raymondjames.com

Our office and the markets are closed Monday, May 27, in observance of Memorial Day. Please join us in remembering those who gave their lives in service to our country.

A tax-advantaged account offers certain tax benefits to encourage saving and investing for specific purposes, such as retirement, education or healthcare. Find out how to improve the tax-efficiency of your financial plan.

Tax-advantaged accounts: A powerful addition to your financial plan www.raymondjames.com

How cyber savvy are you? No matter where you rank, learn how to defend yourself and safeguard your assets:

How cyber savvy are you? www.raymondjames.com

We are thrilled to announce that our Community Shred event was a resounding success!

Thanks to the incredible support from our community, we have raised over $10,000 for Interfaith Food Ministry. This remarkable achievement will significantly contribute to their efforts in providing essential food assistance to those in need.

We are deeply grateful to everyone who was able to contribute, demonstrating the power of unity and generosity. Together, we are making a meaningful difference in the lives of many. Thank you!

The Most Important Retirement Decision For Pre-Retirees forbes.com

Imagine purchasing a home without having to touch your savings or disrupt your investment strategy. If you have an investment account, you could be eligible for a pledged-securities mortgage. Learn more:

The pledged-securities mortgage explained www.raymondjames.com

Strategic, effective philanthropic endeavors require a combination of planning and action. If you're unsure where to start in your giving journey, consider these ideas.

Define your personal philanthropic mission www.raymondjames.com

Planning for the possibility of long-term care and considering who will make decisions if you can't is not simply smart, it is necessary. And that planning now – before you have the need or are unable to share your wishes – is essential.

Protecting your Social Security payout www.raymondjames.com

"Age may just be a number, but when it comes to retirement, it matters." In a recent Raymond James article titled "What Time Is the Right Time for Retirement?," we delve into the critical considerations surrounding retirement planning and longevity, like lifestyle alignment, financial preparedness, health and well-being, market volatility and more. There's no one-size-fits-all answer, that's why Raymond James offers a wide variety of longevity planning resources to help your unique circumstances and aspirations. Read the full article for deeper insights and actionable steps toward a rewarding retirement journey.

What time is the right time for retirement? www.raymondjames.com

The complexities of estate planning can seem daunting, but having your affairs in order is essential for protecting your goals and legacy.

Don't let estate blunders get in the way of your wishes www.raymondjames.com

Thinking of joining a nonprofit board or creating your own? Discover what business leaders and entrepreneurs should know about the nonprofit sector to have the greatest impact.

Take your business skills to the nonprofit sector www.raymondjames.com

Identity thieves are stealing other people's personal information and using it to file tax returns. Keep an eye out for warning signs and reduce your vulnerability with a few simple tips.

Protect yourself and your parents from tax fraud www.raymondjames.com

Do your kids need help buying a home? If they fall short of lender standards, learn how you can help them qualify for a loan as a non-occupant co-borrower.

Leveraging a non-occupant co-borrower to buy a home www.raymondjames.com

Please join us for our annual Community Shred Event on Saturday, April 13th from 10AM – 2PM. For a suggested donation of $10, we will shred a box or bag of your old paper and documents. Shredding is done on site and all the proceeds directly benefit Interfaith Food Ministry, helping to fight hunger in Nevada County.

Giving Back - Owens Estate & Wealth Strategies Group - Grass Valley, CA We are passionate about contributing to our community and participate in many civic, charitable, religious and alumni organizations.

Our office and the markets are closed Monday, February 19, in observance of Presidents Day. Of course, you can access your account(s) using Client Access anytime, year-round.

Inspired by her late husband's joyful generosity, one widow's donor advised fund has now supported more than 15 charities – a number that is likely to grow. Explore her story and more in the 2024 Raymond James Charitable Annual Report.

Channeling the light of a legacy through tax-efficient planning www.raymondjamescharitable.org

Entrepreneurship can be a great encore career. Learn why:

Embarking on an encore career as an entrepreneur www.raymondjames.com

Thinking about opening a 529 plan? They're being used as a modern estate planning tool, not just for college savings. Learn more:

529s are more than a college savings tool www.raymondjames.com

Exciting news – Sonia has been named a Best-in-State Top Women Wealth Advisor by Forbes! See the
full 2024 rankings here: https://www.forbes.com/lists/best-in-state-women-advisors/?sh=2262cc761d11
The Forbes America's Top Women Wealth Advisors Best-In-State 2024, developed by Shook Research, is
based on the period from 9/30/22 to 9/30/23 and was released on 02/08/2024. 44,028 nominations were
received and approximately 1991 women won. Neither Raymond James nor any of its advisors pay a fee in
exchange for this award. More: https://go.rjf.com/3OzDmha. Forbes Link: https://www.forbes.com/lists/best-in-state-women-advisors/

Owens Estate and Wealth Strategies Group We have a large team made up of many experienced financial professionals. Each brings their own insi

Most of us associate 529 accounts as college savings vehicles. They're flexible, allowing you to transfer assets to anyone for the purpose of furthering the education of your beneficiary. But did you know that a 529 can be a powerful estate planning tool?

Did you know 529s are powerful estate planning tools? www.raymondjames.com

The environment you work in is vitally important to your day-to-day experience. It's where you spend most of your time, after all. Here are some ways to up your workspace game.

Create a workspace that energizes www.raymondjames.com

Leave so much more than money to your heirs. Here's how to leave something of significance and create a meaningful legacy that lasts generations:

Sharing something of significance www.raymondjames.com

Do you have investment properties you're thinking about selling? Learn about three tax-efficient strategies before you put them on the market:

Tax-efficient strategies for investment properties www.raymondjames.com