AN ARRAY OF SERVICES to address a diverse landscape of needs

Having alternatives means having the options you need to fit your ever-evolving needs. We believe diversification across a broad spectrum of asset classes is the best way to help our clients meet their long-term objectives, balancing risk and return. For those who appreciate the potential of alternative investments in a comprehensive portfolio, we offer diversification through investments such as hedge funds, managed futures, funds of funds, private equity, private real estate, and other alternative investment options.* Of course, alternatives aren’t suited to everyone. To ensure your investments match your goals and risk tolerances, we’ll carefully consider the options that complement your existing financial objectives before thoughtfully moving forward.

*Alternative investments are generally considered speculative in nature and may involve a high degree of risk, particularly if concentrating investments in one or few alternative investments. These risks are potentially greater and substantially different than those associated with traditional equity or fixed income investments. The investment strategies used by certain Funds may require a substantial use of leverage. The investment strategies employed and associated risks are more fully disclosed in each Fund's prospectus, which is available from your financial advisor.

Diversification and asset allocation do not ensure a profit or protect against a loss.

With cash strategies provided by Raymond James and lending solutions provided through Raymond James Bank, you have access to all the features and convenience you're used to, with the dependable support of someone who truly understands your life needs and financial objectives. Our comprehensive suite of cash management and lending solutions can address both your short-term and long-term needs to help ensure that we’re continuously working to fulfill your financial goals.

Lending Services provided by Raymond James Bank, member FDIC, affiliated with Raymond James Financial Services and Raymond James & Associates, Inc.  Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, member FDIC.

Supporting a child’s education can bring immense fulfillment and plays a crucial role in your financial plan. With rising inflation and the high cost of education, planning to contribute to another’s higher education typically requires prior planning. There are a variety of investment vehicles and tax-efficient options to contribute to the cost of higher education. As your trusted partner, we provide knowledge and professional guidance that can help you weigh the tax benefits, ownership structure, risk and contribution limits involved – and even what to do with your leftover education funds if your aspiring academic earns a scholarship.

One of life’s greatest rewards is sharing your wealth with others. Managing assets to take care of your own needs and wants is one thing, but it takes additional planning and informed direction to help ensure your financial legacy makes an enduring difference in the lives of loved ones or a favorite charity. Having an estate plan to control the distribution of your assets benefits everyone – you, your family and the causes you care about – and can help safeguard against future challenges. Our experienced team has the resources designed to assist your attorney and CPA with a personalized plan that not only helps to preserve your assets but also helps empower your philanthropic efforts.

Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.

A well-conceived financial plan is a key component of success. Our financial plans offer a high degree of personalization designed to align your investments with your goals and risk preferences. We analyze each potential opportunity to find just the right ones for you, your family, your needs – even your business interests. By considering the full picture, we strive to deliver a dynamic and enduring plan that evolves with you. Simply put, we believe our business is people and their financial well-being, and we’re as committed to your success as you are.

As your dedicated financial guide, we carefully develop an investment strategy for you based on your specific goals and needs using institutional-quality portfolio options. Managed by a seasoned team of professional investment managers, Raymond James Freedom portfolios employ a disciplined, systematic process to manage risk and return – all backed by sophisticated research and due diligence.

Further information on the funds selected for the Freedom Portfolios is available by prospectus, which can be obtained through my office. Investors should carefully consider the investment objectives, risks, charges and expenses of the Freedom Portfolios before investing. The prospectus contains this and other information about the funds and should be read carefully before investing.

In a Freedom account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2A as well as the client agreement. Investing involves risk and you may incur a profit or loss. There is no assurance that any investment strategy will be successful. Asset allocation and diversification does not ensure a profit or protect against a loss.

We believe there should be no compromise when it comes to your financial future. Investing in retirement planning isn’t just about the numbers; it’s about feeling confident in your future, well-being and healthcare preparedness and pursuing the freedom to build a fulfilling retirement. Our team is dedicated to working diligently as a steward for your wealth, simplifying life’s complexities with a full spectrum of strategies. No matter what stage of life you’re in, your journey begins today.

Many of today's retirees often have the prospect of enjoying the fruits of their labor for 30 years or more. This accentuates the growing importance of planning not just for retirement but also for the longevity of retirement – encompassing the many years it may span, the life’s evolving facets, and any unforeseen events that may occur. Our knowledgeable and experienced team can help you navigate the possibilities and offer financial advice designed to guide you through a confident and sustainable retirement.

We help you pursue your goals by constructing, managing and reviewing a broadly diversified portfolio that’s fully designed to suit your needs. The portfolio strategies we pursue are modeled on those used by elite institutions to help us select a mix of asset classes that closely matches your individual preferences and appetite for risk. This approach weighs several factors – your goals, time horizon and tax implications – to create a stronger portfolio tailored to you. Our priority is to help you make informed financial decisions about the components of your portfolio. We also take care to assess the ongoing tax implications of your plan. When your needs and situation evolve, we adjust accordingly to ensure we are always in sync with you and measuring up to your expectations.

There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation and diversification do not ensure a profit or protect against a loss. Past performance is not indicative of future results.

One of the most important functions we serve is helping to protect all you have worked to build. Fortunately, there are a number of ways to help. It takes the right approach, as well as steadfast discipline and diligence, to assess the risks that could derail your life goals, and to build a contingency plan to help limit the effects. As your experienced guide, we assess where your risk lies and determine your level of comfort with it, exploring what actions and plans to put in place to provide the level of protection you need and deserve. Then we tailor your financial plan to prepare for the unexpected, which could include preserving your estate with long-term care insurance, building a protective cushion with life insurance, and combining protection and tax-advantaged growth opportunities with annuities. Working together, our team can help you preserve your overall financial plan.

Securities based lending is a financial strategy that involves borrowing money using your investment portfolio – typically stocks, bonds and mutual funds. Securities based lending can offer portfolio diversification opportunities, access to liquidity without selling assets and potentially lower interest rates. Our team is equipped to help you navigate the specific regulations and loan documentation around this financial strategy. We’ll help you evaluate your financial picture, risk tolerance and goals to determine if securities based lending is right for you.

2. A line of credit backed by securities, such as a Securities Based Line of Credit, a structured line of credit or a Margin account, may not be suitable for all clients and investors. Borrowing on securities backed lending products or Margin accounts and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. An investor can lose more funds than he or she deposited in the account. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. Clients and investors may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Call. The firm can increase its maintenance requirements at any time and is not required to provide advance written notice. Clients and investors may not be entitled to an extension of time on Calls. The securities in the Pledged Account(s) may be sold to meet the Collateral Calls and the securities in a Margin account can be sold to meet Margin Calls; the firm can sell the client’s securities without contacting them. Increased interest rates could also affect LIBOR rates that apply to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged on a line of credit are determined by (i) the market value of pledged assets and the net value of the client’s Capital Access account or (ii) the line of credit amount. The interest rates charged on Margin accounts are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information.

The proceeds from a Securities Based Line of Credit or a structured line of credit cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as pledged securities toward a line of credit. Lines of credit are provided by Raymond James Bank. Securities Based Line of Credit and structured line of credit provided by Raymond James Bank, Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank. Products, terms, and conditions subject to change. Subject to standard credit criteria.

The transfer of wealth is a moment of great significance. It’s a transfer of the work that went into building your assets, and it’s an opportunity to embed the foundations for how they should grow in the future. A well-laid plan can help preserve stability and momentum in the long term. From preserving family harmony and passing on family values to considering succession planning, laws and regulations and asset valuations, intergenerational wealth transfer planning has the power to positively shape the lives of both the givers and the recipients for generations to come.