Tailored service, disciplined strategies, committed guidance

With cash strategies provided by Raymond James and lending solutions provided through Raymond James Bank, you can enjoy all of the features and convenience you're used to, with the personal service of someone you trust and 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 ensure that we are continuously working to fulfill your financial goals.

Cash Strategies
offered through Raymond James

Cash Strategies Consulting

We partner with consultants to design a cash strategy that aligns with your needs for liquidity, safety and return

Capital Access

An everyday cash management account that offers flexibility and accessibility, from purchasing investments to paying bills and managing daily expenses

Cash Sweeps

Programs that maximize FDIC insurance and allow your cash to earn interest while keeping it accessible

Credit Cards

Cards to suit everyday consumers, businesses and high-net-worth individuals

Lending Solutions
offered through Raymond James Bank except where otherwise noted

Securites Backed Lending Options

A flexible line of credit using eligible assets in one or more Raymond James accounts

• Securities Based Lending (SBL)
• Margin accounts (offered through Raymond James)

Structured Lending

Customized credit solution for uniquely qualified clients that provides easy access to liquidity

Residential Lending

A wide variety of mortgage loans and programs in all 50 states

• Jumbo and confoming loans
• Fixed rate and Adjustable rate
• A streamlined Private Wealth Mortgage channel for qualifying clients

Other Lending

Loans designed to suit a variety of needs

• Commercial Real Estate
• Corporate (C&I)
• Aircraft, art/collectibles, and small business (offered through third parties)

The Cash Management Experience

Leveraging cash management solutions can seamlessly bring your cash and brokerage accounts together in one, simplified location for a more complete picture of your finances. Working with our team, you’ll enjoy cash management solutions that are designed to help you easily and effectively manage both – your immediate and long-term cash needs.

Diversification of investments does not guarantee a profit nor protect against loss. All funds held at Raymond James Bank and participating banks in the Bank Deposit Program are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Additional information can be found at fdic.gov or by calling 877.ASK.FDIC (877.275.3342).

Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, member FDIC. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc., companies are not insured by the FDIC or any other government agency, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank, and are subject to investment risks, including possible loss of the principal invested. Bank priority lists can be found at raymondjames.com/RJBDP. Raymond James & Associates is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available upon request or at sipc.org or by calling 202.371.8300. Raymond James has purchased excess-SIPC coverage through various syndicates of Lloyd’s, a London-based firm. Excess SIPC is fully protected by the Lloyd’s trust funds and Lloyd’s Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub-limit of $1.9 million per customer for cash above basic SIPC for the wrongful abstraction of customer funds. Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations. Raymond James Associates, Inc., and your Raymond James financial advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.

Smart Borrowing Options

By incorporating lending solutions, we, together with our partners from Raymond James Bank, can help seamlessly meet your near-term needs without disrupting your long-term goals. We believe no investment strategy is complete without a liquidity plan, which affords you flexibility, spending power and confidence. Whether acting on an opportunity, growing your business, dealing with the unexpected, or leveraging debt to grow your assets, we can identify borrowing options that will help satisfy your lending needs and also complement your overall investment strategy.

You can leverage lending solutions to help meet your financial needs in a holistic way.

Offered through Raymond James Bank

• Mortgage¹
• Securities Based Line of Credit (SBL)²
• Structured Lending²

Offered through Raymond James

• Margin² loans

There are many options when it comes to borrowing, and Raymond James Bank dedicates regional banking consultants to help determine the right solution for your unique situation. We can connect with a banking consultant to get you started down the right path for applying for a loan or setting up a new account.

1. Raymond James Associates, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.
The proceeds from a mortgage 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 or Raymond James.
Property insurance is required. Flood insurance is required if property is in a designated flood zone of ‘A’ or ‘V.’

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, N.A., Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, N.A., a federally chartered national bank.
Products, terms, and conditions subject to change. Subject to standard credit criteria.

All funds held at participating banks in the Bank Deposit Program are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Available cash in your Raymond James account is deposited into interest-bearing accounts at up to 12 banks. Raymond James will deposit up to $245,000 ($490,000 for joint accounts of two or more) in each bank on a predetermined bank priority List. Additional information can be found at fdic.gov or by calling 877.ASK.FDIC (877.275.3342).

As a fiduciary, you seek to continue the success of your business while fostering a professional culture that both attracts and retains quality employees. Selecting and implementing the right retirement plan can go a long way in helping you achieve those objectives. Our team extends the capabilities and bandwidth of your management team to administer and manage retirement plans that support the needs of both your institution and workforce.

Whether you’re in search of a new sponsor or need assistance reviewing your current plan, our advisors offer comprehensive guidance, conducting thorough vendor searches, reviewing plans and providing quality support, as well as independent investment consulting. We have extensive experience working with providers, and seek to both maximize tax efficiency for your business, as well as participants’ benefits. 

As your business evolves, we provide flexible support where it’s needed. We understand the complexities of managing a business, and staying abreast of regulations and the latest investment trends. We take our role seriously as an extension of your own team, so you can devote your focus where it’s needed most.

Provider Search, Analysis and Selection

As your organization grows and evolves, your retirement plan criteria may also change. We conduct provider analysis and research as frequently as needed, and work with you to help clarify the objectives of your institution and employees. Once a provider is selected, we guide clients through the integration process for a seamless transition.

Fee and Service Analysis and Negotiation

Our team leverages our extensive experience in working with providers to negotiate the fees and services that are best suited for your organization. We take into account your needs and corporate profile, and help develop a plan that is designed to be sustainable and beneficial for your organization and plan participants.

Documentation and Record Management

Proper documentation is a key factor in ensuring the long-term success of your retirement plan. We provide support for this critical piece of your fiduciary duties, helping to implement the proper technology and systems to store and maintain records and documents, while keeping them easily accessible for convenient reference as needed.

Leadership Training and Employee Education

By providing employees with useful resources and opportunities to learn more about their plan options, you can better ensure the success of your chosen provider and the satisfaction of employees. We provide guidance and insight for your senior staff for educating employees and assisting in the on-going facilitation of your benefits package.

Whether planning to build a home by the lake or help your daughter launch a business, you need a well-conceived plan in order to succeed. Pursuing financial independence is no different. Whether you’re looking to grow your money over time, generate income in retirement or preserve wealth for future generations, confidence in your financial plan comes with knowing your assets are invested well. As your knowledgeable partner, we provide wide-ranging, comprehensive financial planning with which to chart a detailed course for pursuing a bright and confident future.

Our disciplined planning process accounts for your short- and long-term goals, your tolerance for risk and your stage of life, while also keeping a watchful eye on today’s complex domestic and global markets. In our experience, that’s the best way to customize a comprehensive, diversified portfolio that is flexible enough to meet your needs now and in the years to come.

Our financial plans offer a high-degree of personalization that matches your investments to your goals and ability to take on risk. We analyze each potential opportunity to find just the right ones for you, your family and your goals, while also helping to manage your liabilities so you feel confident in your complete financial picture.

The result is a financial plan that is as dynamic, vibrant and enduring as the lifetime of achievement it represents. Simply put, we believe our business is people and their financial well-being, and we are as committed to your success as you are.

Build a Foundation with Achievable Goals

Realistic goals provide the foundation for a solid financial plan. That is why it is important to codify your own. They can include educations for children, a second home, your income needs in retirement, your philanthropic interests, and plans for your estate. Because no two people are the same, building a financial plan around your specific goals creates a plan that is uniquely yours. We will work closely with you to identify and define your near- and long-term goals, check for goals that may conflict and work to resolve conflicts that arise. Even more important, we’ll set metrics with which to define success and adjust your plan as necessary.

Develop a Complete Financial Picture

Along with a complete picture of your goals and time horizons, a personalized plan must incorporate current assets and liabilities in order to establish your net worth and review it throughout the years to come. We also consider your comfort level with risk so investments can be made accordingly. If applicable, consideration is also given to consolidating accounts to make finances and cash flow easier to track and manage.

Review and Optimize Performance

Finally, we believe a financial plan should be as dynamic as the life it represents. Things change, priorities sometimes shift and new opportunities wait just over the horizon. That is why we review your plan’s progress relative to your defined objectives. Should changes need to be made, we rely on myriad resources and experts to help guide our decision process and also to suggest appropriate actions or strategies. Together, we can review the options and make objective decisions. To keep you apprised, we provide ongoing reporting of your account activity and conduct periodic reviews. Because we are truly partners in this important endeavor, we also rely upon you to communicate any significant changes in your life.

Our team of professionals unlocks a number of choices for your portfolio. We offer experienced guidance for selecting alternative investments, separately managed and unified managed accounts, managed discretionary accounts, wrap accounts, structured products and options, along with traditional offerings such as equities, fixed income, annuities, mutual funds and exchange-traded funds.

We sift through the many investment strategies, managers and products to uncover those we believe to be of the highest caliber, judged by potential for growth, capital preservation, income and other factors. We then further refine that pool to reveal options suited to your specific needs, placing your best interests first in all decision-making.

Your assets and needs are unique, and we believe your investment strategy should follow suit.

There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. Investors should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements.

A Broad Universe of Options

We are committed to offering you access to a wealth of high-quality investment opportunities. Using our extensive experience with the various choices for your portfolio, we can help guide you toward investments that are the right fit for your circumstances.

Our offerings include:

• Alternative investments
• Separately managed accounts
• Unified managed accounts
• Managed discretionary accounts
• Wrap accounts
• Structured products
• Options
• Traditional investments, like equities, fixed income, annuities, mutual funds, exchange-traded funds

Ongoing Due Diligence

Our rigorous research and due diligence of investment managers and related products helps ensure we meet the needs of our investors. We strive to thoroughly vet the wide array of investment solutions we offer. We also stay informed about what’s going on in the markets, reviewing detailed reports and analysis as well as the latest market and economic commentary.

A Methodical Approach

We employ a personalized process to build a customized, diversified portfolio that addresses your objectives. This process begins with focusing on what’s most important to you as we build a lasting relationship based on understanding and trust. Our team then designs and actively manages your financial plan, adjusting along the way to meet your changing needs.

Asset allocation and diversification do not ensure a profit or protect against a loss.

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

Many of today's retirees can expect to spend 30 years or more enjoying the fruits of their labor. That's why it's increasingly important not simply to plan for retirement, but to plan for longevity in retirement - all of the years it might last, all of the ways your life will change and all of the events you can't foresee.

Learn about longevity resources available to you.

In addition to the financial implications, retirement has life implications. Our knowledgeable and experienced team can help you sort through the possibilities and offer financial advice designed to guide you up to and through the retirement you’ve envisioned.

Ask yourself these key retirement questions:

Where Will You Live?

Whether you’re bound for a dream home or planning to stay put, housing likely will be your biggest expense in retirement. While aging in the comfort of your own home would be ideal, modifications to the home – or your plan – could be necessary as mobility and transportation challenges arise.

Let’s talk about:

• Do you want to stay in your home? Will it need to be modified?
• What housing options are available to you, and what will they cost?
• Would you want to downsize? Relocate to a pedestrian-friendly neighborhood?

How Will You Get Around?

Being mobile means being independent. And retirement life brings more opportunity to go where you want whenever you want. That may help explain why transportation is the second largest expense for individuals older than 65 and accounts for about 15% of their annual expenditures, according to the Bureau of Labor Statistics. That’s why we make sure to account for it as part of your long-term financial plan.

Let's talk about:

• How will you get to your favorite places in retirement?
• Who will assist you if you can't drive yourself somewhere?
• What transportation options are available in your area?

How Will You Safeguard Your Health?

Your health and your finances are intertwined in complex ways. Most expect Medicare to pay for their healthcare expenses in retirement. But, in reality, Medicare pays only 60% of healthcare costs* - you still will have premiums, copays, and deductibles. As you age, healthcare costs can add up.

Let's talk about:

• Do you have an existing condition? What will treatment cost over the long term?
• Do you know what costs Medicare will cover?
• How will you pay for what Medicare doesn't?
• Have you considered Medigap?

*Employee Benefit Research Institute, 2015

How Will You Secure Your Legacy?

As you take the steps to plan for a comfortable retirement for as long as you may live it, it’s important to think even further. Ask yourself what kind of legacy you want to leave. How are you going to make sure you’re secure against financial fraud and work toward passing assets – and information – to your heirs to help secure your family’s future?

Let’s talk about:

• Have you spent significant time thinking about your legacy?
• Who will have access to your important documents and information when the time comes?
• How will you protect your assets and inheritors from financial fraud?

Who Will Take Care of You?

As we all live longer, chances are you may, at some point, provide care for a loved one or receive care yourself. Becoming a caregiver can be not only stressful, but also can have financial consequences if it requires taking time away from work. And long-term care is not covered by Medicare.

Let's talk about:

• Do you understand the full impact of being a caregiver?
• How will you get the care you need as you age?
• Should you consider long-term care insurance?

Will You Have Enough?

Giving yourself every opportunity to save enough for a long, fulfilling life requires careful, detailed longevity planning - strategies for saving, investing and taking withdrawals. Making the right Social Security claiming decisions is vital to optimizing your retirement income strategy.

Let's talk about:

• When are you planning to retire?
• What sources of income will you have in retirement?
• How much income you will need in retirement?

As your trusted partner, we help you pursue your goals by constructing, managing and reviewing a broadly diversified portfolio that is fully customized to suit your needs. Through clear communication, we help you understand what you own and why, placing your best interests above all else.

Using a wealth of resources, we gain insight into the risk and return characteristics of your investment options. 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.

A Personalized Portfolio

As your advisor, we are not putting forth just any investment strategy, but the strategy that is designed to best fit your life. Meeting your requirements for growth, income or capital preservation – while being mindful of your attitude toward risk – is our objective. You can expect a portfolio that is individually customized to reflect the future as you envision it.

Comprehensive Reviews

Staying on top of trends and events that influence the investment environment and your portfolio’s performance is crucial for us. We rely on deep resources, analysis and the insight of our team to keep your financial objectives in sight and help drive smart decision-making.

We understand that there should be no compromise when it comes to your financial future. That’s why we work diligently to serve as the ultimate steward for your wealth, simplifying life’s complexities with a full spectrum of strategies for a tailored plan that we believe is the only one you’ll ever need.

No matter what stage of life you’re in, we can help you pursue independence, freedom and the things that matter most to you. Your journey begins now. Let us help get you on your way.

Planning for Retirement

When it comes to your financial future, the most important factor in your favor is your age. We take advantage of the time you have, regularly contributing to tax-advantaged retirement accounts and potentially boosting savings with matching funds offered by your employer.

Your goal should be to begin building up enough assets to provide adequate income to meet your needs throughout retirement – accounting for factors like increased longevity, healthcare costs and inflation. To accomplish this goal, you need a plan. That’s where we can help.

Wherever your work or life leads you, we assist in managing your cash flow and allocating your resources, striving to help you reach both your short- and intermediate-term goals without endangering your long-term plans.

Almost to Retirement

Life has a way of throwing curveballs. As you approach the end of your career, you may have questions about what comes next or if you’re ready emotionally and financially. Together, we uncover the answers, identify and address any concerns you may have, and update your estate plan to reflect your current wishes.

We start by identifying your short- and long-term goals. When do you want to retire? Where do you want to live? How will you spend your days? Then, we estimate income and expenses for the life you’re envisioning, taking into account the unexpected and other obligations so they won’t catch you unprepared.

If you need to play catchup, we examine the best way to do so by making larger contributions to your retirement accounts or possibly cutting back in other areas. We also discuss your Social Security and Medicare options with you, so you’ll be ready as soon as you’re eligible.

In Retirement

With the right plan, we bring your vision into sharper focus, so you can enjoy the lifestyle you want and deserve. Keep in mind that the planning doesn’t stop when your paychecks do. It’s a continuous process that goes on all the way through retirement.

We analyze your current situation to help you remain on track to pursue all you’ve envisioned from retirement, identifying sources of income and expenses to create and adhere to a tax-efficient withdrawal strategy. We make the most of your assets and income streams by creating a steady and sustainable income strategy, consolidating accounts, if necessary, to effectively recreate the predictable cash flow of a steady paycheck and ensuring contributions to your philanthropic interests.

Your needs and wants will change during this time. We reevaluate your plan so you can maintain a clear picture of the kind of lifestyle you desire, reassessing your short- and long-term goals, plus your risk tolerance in retirement. We also make sure you have the proper up-to-date documentation to help ensure your legacy is protected and wishes are respected.

As your life changes, so will your plan. We will regularly review your plan and make adjustments, as needed, along the way.

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