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We help you cut through the complexity of your financial situation to create, implement and manage an all-encompassing plan designed to achieve your goals – personally and professionally. Our solutions capitalize on our deep resources and insightful analysis and are customized to your needs. The result is a balanced plan interwoven with the details of how you picture your life.
Blockquote sample but nobody cares how much you know until they know how much you care.
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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.
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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
1. Raymond James Associates, Inc., Raymond James Financial Services, 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.’
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.
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.
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As a business owner, you’ve built something you care about – and you want to see it last. We understand. We’re well-versed in the challenges and opportunities before you. As your financial guide, we help you further your own brand of success by giving you the confidence to focus on what you do best.
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As an executive, you spend your time and energy between the office and home, with little to spare. You know your personal portfolio deserves that same level of dedication and high-level thought. With us as your partner, you gain the confidence of knowing we are guiding you on the straightest path to your financial objectives.
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We are well-versed in the singular challenges faced by endowments and nonprofits, and understand the responsibilities required to manage significant assets, while adhering to your organization’s mandate. We also understand the importance of your work and your desire to uphold your foundation’s mission in the years to come.
![Investment Pyramid](/-/media/rj/advisor-sites/sites/v/a/vanilla-model-5/images/demo-module/investment-pyramid.png)
Our objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the effects of inflation and taxes. We know that a proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals.
We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.
Life’s a journey; one with many twists and turns along the way. One day you’re graduating college, the next you’re leaving work behind for a new adventure. The question is: How ready are you to navigate your journey to retirement? Do you know what it takes to manage your money and help it last as long as you need it to? We know it’s never too early to start planning for the future you imagine.
No matter what stage of life you’re in, we can help you pursue independence, freedom and the things that matter most to you.
Financial planning is a collaborative effort. To use an analogy, you are the coach and we are your quarterback. Working together is essential to effective financial planning. Whether you are newly married, just about to retire or wondering how you are going to take care of your aging parents, we are here to help you make informed decisions, set short, mid-term, and long range goals, and we are here to help you change courses should you experience a life changing event.
Net Worth Calculator
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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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Retirement Calculator
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One goal nearly all investors share is planning for a comfortable and secure retirement. This calculator will provide an assessment...
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Savings Calculator
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Consistent investments over a number of years can be an effective strategy to accumulate wealth. This calculator demonstrates...
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- T 802.448.6071
- TF 833.707.9588
- F 833.986.0659
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Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact our office for information and availability.
Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.
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