A steadfast financial partner for families and individuals

For true financial well-being, you should feel confident in where you are and sure of how well you’ve planned for the future. We can help you get there. Through customized financial planning, we partner with you to tackle everyday challenges and major milestones. From goal planning and wealth management to estate planning and wealth transfer, you can turn to us for comprehensive support and leading-edge resources. Our access to technology, research and specialized knowledge helps us nimbly adapt to your needs and objectives.

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We offer financial guidance for every place where your money and your life intersect.

Comprehensive preparation for life after the workplace
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An all-encompassing approach to preserving and managing wealth
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Tax-efficient wealth transfer strategies that honor your intentions
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Identifying and mitigating financial risks through a variety of strategies
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Helping families prepare financially for college
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A comprehensive suite of cash management and lending solutions
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What does your financial future look like?

Our wealth management resources can help you visualize it. They can also help in creating a financial plan that’s designed to grow with you, from planning to send your child to college to planning your retirement income.

Life Stages

Building a foundation

As you get started on your goals, we can help you:

  • Build a comprehensive financial plan
  • Plan for a child’s college and other family needs
  • Manage risk with insurance and basic estate planning
  • Set retirement planning goals

Prime earning years

As you pursue your version of success, we can help you:

  • Manage risk with insurance and basic estate planning
  • Visualize and plan your retirement
  • Navigate complexities such as a divorce or career change
  • Preserve wealth through custom strategies

Up to and through retirement

As you ready for the next chapter, we can help you:

  • Optimize your Social Security and retirement income
  • Navigate healthcare in retirement
  • Create a legacy plan, including charitable giving strategies
  • Develop personalized wealth transfer strategies

Related Resources

How to have a valuable family conversation about your estate.
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Wealth’s complexities merit reflection and thoughtful dialogue. Prepare yourself and your heirs for the great privilege and responsibility of financial stewardship.
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Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click "View Report" to see your ...
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Personal Finance
Use this calculator to compare a fixed-rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. A fixed-rate mortgage has the same payment for the entire term of the loan. An adjustable rate mortgage (ARM) has a rate that can change, causing your monthly payment to increase or decrease.
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Loans
Determining which mortgage term is right for you can be a challenge. With a shorter 15-year mortgage, you will pay significantly less interest than a 30-year mortgage - but only if you can afford the higher monthly payment. Use this calculator for a comparison of a 15- vs. 30-year mortgage.
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Loans
How much interest can you save by increasing your mortgage payment? The mortgage payoff calculator helps you find out. Click the "View Report" button to see a complete amortization payment schedule and how much you can save on your mortgage.
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Your net worth is the value of all of your assets minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. If you owe more than you own, you have a negative net worth. If you own more than you owe you have a positive net worth. This calculator helps you determine your net worth and estimates how it could grow (or shrink) over the next 10 years.
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Personal Finance
How long will it take to break even on a mortgage refinance? Use the mortgage refinance calculator to sort through a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home. The mortgage refinance calculator helps sort through the confusion and determine if refinancing your mortgage is a sound financial decision.
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Whatever your priorities are in life, we’re here to offer the guidance you seek.

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Raymond James does not provide legal services. Please discuss these matters with the appropriate professional.

Investing involves risk and you may incur a profit or loss regardless of strategy selected.

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Central Valley Advisors, LLC, doing business as The Salvetti Group, is registered as an investment adviser with the Securities and Exchange Commission (SEC), and only transacts business in states where it is properly notice filed, or is excluded or exempted from such requirements. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the adviser has attained a particular level of skill or ability. Information on this website is directed toward U.S. residents only.

Information on this website does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented.

Information on this website is not an offer to buy or sell, or a solicitation of any offer to buy or sell any particular securities. Insurance product guarantees are subject to the claims-paying ability of the issuing insurance company.

All investment strategies have the potential for profit or loss. Alternative investments are speculative and involve a high degree of risk. Asset allocation, rebalancing, and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses.

Investors could lose all or a substantial portion of their investment. Alternative investments are generally illiquid and may utilize highly speculative investment strategies. Options are extremely risky. Options trading may not achieve your investment objectives. Options trading is speculative and may result in a loss that exceeds your initial investment.

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Images and photographs are included for the sole purpose of visually enhancing the website and should not be construed as an endorsement or testimonial from any of the persons in the image or photograph.

The Salvetti Group is not engaged in the practice of law or accounting. Always discuss specific legal or tax issues with your attorney or accountant. The Salvetti Group is not affiliated with Raymond James through common control and ownership. Content was prepared by Raymond James & Associates, not the Salvetti Group. The firm recommends that clients establish brokerage accounts with Raymond James. Salvetti Group receives no compensation from Raymond James other than the services and arrangements described in the Salvetti Group Form ADV disclosure brochure.

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