Wealth management that goes further
Your life goals are bigger than a bottom line. We believe your financial plan should be, too.
Wealth management is a discipline that draws from a variety of financial topics. Investing is a cornerstone, but it isn’t the only thing when considering how wealth is earned, preserved and used effectively over time. By taking a more holistic view of your life and finances, we believe we can better align your resources with your aspirations.
Our services
Investments
- Separately managed accounts (SMAs), unified managed accounts (UMAs) and wrap accounts
- Structured products
- Options1
- Traditional investment products and services
- Specialized opportunities
Planning
- Estate Planning
- Tax planning
- Business succession planning
Cash management
- FDIC-insured checkwriting and money market accounts2
- SIPC-protected brokerage accounts3
- Short-term investment vehicle alternatives
Trust services
- Trust design
- Trust administration
- Trust services available through Raymond James Trust, N.A., an affiliate of Raymond James Financial Services, Inc.
Risk management
- Life insurance
- Business insurance
- Identity and fraud monitoring
Insurance offered through the Raymond James Insurance Group, an affiliate of Raymond James Financial Services, Inc.
Alternative and institutional investments4
- Commodities
- Hedge funds
- Private equity
- Real estate
- Institutional sales and trading
Lending services5
- Margin loans
- Securities-based lines of credit
- Residential and commercial mortgages
Investment banking
- Corporate financing
- Private equity and private debt
- Business valuation and exit planning
- Merger and acquisition guidance and finance
- Initial public offering and liquidity event execution
There is no assurance any investment strategy will be successful. Investing involves risk including the possible loss of capital.
1 Options are not suitable for all investors. A copy of the options disclosure document is available from our office.
2 All funds held at Raymond James Bank are insured by the Federal Deposit Insurance Company (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 Financial Services, Inc., is affiliated with Raymond James Bank, member FDIC. Unless otherwise specified, products purchased from or held at Raymond James Financial Services are not insured by the FDIC, 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.
3 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.
4 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. You 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. You should only invest in hedge funds, managed futures or other similar strategies if you do not require a liquid investment and can bear the risk of substantial losses. There can be no assurance that any investment will meet its performance objectives or that substantial losses will be avoided.
5 A Margin account may not be suitable for all investors. Borrowing on Margin 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. The securities in the Pledged Account(s) may be sold to meet the Margin Call, and the firm can sell the client’s securities without contacting them. An investor is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a margin call. The firm can increase its maintenance margin requirements at any time and is not required to provide an investor advance written notice. An investor is not entitled to an extension of time on a margin call. Increased interest rates could also affect LIBOR rates that apply to your Margin account causing the cost of the credit line to increase significantly. The interest rates charged are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information.
A line of credit backed by securities, such as a securities based line of credit or a structured line of credit, may not be suitable for all clients. Borrowing on securities based lending products 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. 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. The securities in the pledged account(s) may be sold to meet the collateral call, and the firm may sell the client’s securities without contacting them. A client may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a collateral call. In many cases, the firm may increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client may not be entitled to an extension of time on a collateral call. Increased market interest rates could also affect the applicable rate index that applies to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged are determined in part by (i) the market value of pledged assets and the net value of the client’s non-pledged Capital Access account or (ii) the line of credit amount as outlined in the Loan Agreement. Lines of credit are provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, member FDIC.