Investing is serious. And all investments involve risks that can result in losses, even though the goal is to increase or preserve wealth. We believe you should have every opportunity to understand the risks, rewards and implications of the investment alternatives and services, as well as financial planning and investment strategies, offered for your consideration. Raymond James is very proud to have been the first firm in the nation to offer our clients their own "bill of rights."" Please invest a little time now to read this important document before proceeding further with your financial planning and investment program.

Your rights as our client:

  • Courteous Service
  • A Trustworthy and Competent Financial Advisor
  • Suitable Recommendations
  • Timely Transactions at the Best Available Prices
  • Full Disclosure of Costs and Risks
  • Clear Communications
  • Comprehensive Statements and Trade Confirmations
  • Prompt Error and Complaint Resolution
  • Strict Confidentiality

Our investment philosophy goes beyond the primary objectives of preservation of principal, generation of income and capital appreciation. While there is no doubt these are important objectives for you, a personalized investment plan requires even more – the confidence resulting from exemplary service, education and appropriate risk management.

Therefore, all Raymond James financial advisors, including the one you have selected, are professionals supported by experienced associates who handle the execution and processing of transactions. This includes state-of-the-art software systems to generate comprehensive account statements, online client services to give you convenient access to your accounts and one of the most highly regarded research groups in North America to review investment alternatives before they are offered to you.

While having all of this support available to you is comforting, it is critically important that you first understand the investment process, and your rights and obligations as an investor so that you may better utilize our support.

We believe this document is one of the most complete descriptions of the practical considerations dealing with investments. It also describes many of the policies and procedures employed by Raymond James. You should retain it for reference purposes after reading. Our hope is that you will become more knowledgeable as a result of reading this material and, as an informed investor, you will make better financial planning and investment decisions with assistance from your Raymond James financial advisor.

Through our affiliate financial advisors, our combined goal is to provide you with advice, investment alternatives and services designed to help you attain your financial objectives. Since we are committed to enhancing our service, we solicit your suggestions for improvements.