Services

Having choices is important in investing. We believe investors' plans should change as their lifestyles and needs do. Through Raymond James investors are offered an extensive array of investment alternatives and services.

Asset Management

Discover the benefits of professional asset management.

Estate Planning

Trust services for the preservation of assets and the fulfillment of wishes.

Financial Planning

Your financial future is important. Don't trust it to just anyone.

Raymond James offers full-service asset management for clients who prefer to utilize the skills and expertise of professional money managers.

Asset Management Services – Personal asset management of individual portfolios by professional asset managers is now available to most investors. The advantages are that the manager understands the objectives of the investor and focuses all of his or her working day on the selection of investments for and the subsequent monitoring of client portfolios.

Eagle Asset Management – Eagle Asset Management provides institutional and individual investors with a broad array of separately managed account and mutual fund products designed to meet long-term goals. Founded in 1976, Eagle was built on the cornerstones of intelligence, experience and conviction that we believe clients expect from their investment managers.

Eagle Boston Investment Management – Eagle Boston Investment Management specializes in small-capitalization investment management and currently manages in excess of $50.9 billion for institutions and high-net-worth individuals. Organized in April 1992, Eagle Boston is a wholly owned subsidiary of Eagle Asset Management.

Freedom Account – The Raymond James Freedom Account makes choosing your portfolio strategy easy. Our comprehensive, four-step process helps match your unique goals and risk tolerance with an asset allocation model that’s right for you – from capital protection to asset growth.

Institutional Consulting Services – Unique challenges require unique support. We’re here to provide objective advice for all aspects of institutional consulting – from strategy development and investment research to reporting and periodic reviews. We understand the importance of our clients meeting their investment stewardship obligations. No matter your needs, we can work with you to develop a consulting solution tailored to the needs of your organization.

A Philosophy Centered on Client Relationships
When Raymond James was founded in 1962, it did not follow the path of its peers – a transaction-oriented style of business based simply on “selling” investments. Instead, the firm’s founder, Robert A. James, stressed the importance of counseling individual clients, understanding their needs and concerns, and building customized financial plans.

Today, Raymond James financial advisors continue to embrace this philosophy, encouraging our clients to focus on long-term investing and develop diversified portfolios. Our objective was – and still is – to help people plan for life.

Remaining sensitive to the changing needs of our clients, we keep a watchful eye on today’s complex financial marketplace. And we offer a comprehensive selection of investment alternatives to help meet clients’ evolving needs. Raymond James is also a leader in providing fee-based alternatives to traditional commission transactions, with experience in fee-based planning since the late 1960s.*

Yet, with all of its innovation, Raymond James’ founding premise remains unchanged. That’s why we are dedicated to providing clients with complete financial planning services and personalized, professional assistance. Simply put, we believe our business is people and their financial well-being ... and we are committed to our clients’ success.

Planning: The Key to Financial Success
In life, we pass through several phases, each with different financial requirements. For example, the financial needs of a young married couple are not the same as those of a retired couple. That is why continuous, long-term planning is essential. Typically, there are three basic financial steps most people take in life. They include:

  • Wealth accumulation – the building of a solid, diversified financial foundation from which to expand over time. During this phase, allocation of money for a home, investments, life insurance and educational expenses is coordinated with tax planning strategies to ensure that current and future income is utilized effectively.
  • Wealth conservation – the inclusion of a variety of investment strategies and further diversification, designed to preserve and invest assets to help ensure adequate funds for current living expenses and future retirement needs.
  • Wealth distribution – the proper allocation of assets to heirs. Good estate planning should provide for the orderly transfer of assets while avoiding unnecessary tax burdens.

In addition to the complexities and changing priorities that occur over a lifetime, a financial plan also is affected by fluctuating economic conditions, taxes and inheritance laws. We have the expertise to thoughtfully design a plan with your circumstances in mind, helping you develop a long-term financial strategy for your individual needs.

The Raymond James Advantage
As financial advisors with Raymond James, we possess the necessary tools to guide you through every step of the financial planning process, including:

  • Helping you define specific financial goals by reviewing your financial situation in depth, taking into account your income, assets and liabilities, current portfolio, risk tolerance and investment time horizon
  • Offering you flexible account options, including traditional investment accounts or a variety of fee-based alternatives that feature quarterly fees and low or no transaction costs
  • Helping with the paperwork that often accompanies investing
  • Accessing and evaluating up-to-the-minute market data, research reports and other economic and financial information
  • Using computer-generated models to show you how asset allocation and investment diversification may enhance your portfolio, as well as how much time you may need to accumulate a specific amount of money for retirement and other purposes
  • Offering you a variety of investment alternatives and services to meet your needs – including retirement, education, tax and estate planning, stocks, bonds, load and no-load mutual funds, CDs, insurance, annuities, trust services, asset management and banking services
  • Working with your other professional advisors, such as attorneys and tax specialists, to help ensure coordination in all areas of your financial life
  • Meeting with you on a regular basis to evaluate the performance of your investments and to make sure that they’re in line with your goals


Service That Extends Beyond Financial Planning

Confidentiality is a top priority in our client relationships. We appreciate the trust our clients place in us and never take that trust for granted. Naturally, any business we conduct is held in strict confidence – just as you would expect from your physician, attorney or any other professional.

We provide objective information and unbiased guidance. Because we are not required to sell specific products, we have the freedom to help you select the investments that are right for you.

Sound investment decisions are based on facts and careful research, not emotions. However, we know it’s not always easy to make sensible choices, especially in a fluctuating market. We can help you employ disciplined, long-term strategies that help hedge against short-term market swings. Together, we’ll establish reasonable investment goals – and stick to them.

Now is the Time to Make it Happen
The decision to begin the financial planning process should not be taken lightly, nor should it be put off. The earlier your plan begins, the greater the potential for rewards.

Raymond James has always been a leader in financial planning services. As financial advisors within the firm, we remain committed to its ideals – unwavering integrity, innovation, quality and, above all, outstanding client service.

Estate and charitable giving planning
Estate and charitable giving planning are intricately intertwined in that they both address how your assets will be distributed. The highest priorities of most people often include providing for their families and supporting charitable causes they believe in. Prudent estate and charitable giving plans can help you accomplish both.

Creating an estate plan
Estate planning is essential for distributing your wealth in life and after death. It allows you to preserve your family values and ensure that your assets benefit the people and charitable causes in accordance with your wishes. Estate planning provides certainty and control over all you’ve worked for and accumulated during your lifetime.

Estate planning is the foundation of financial planning
The culture of Raymond James embraces estate planning as an essential component of a comprehensive financial plan and the foundation of financial planning. When stock brokerages solely focused on selling stocks during the 1960s, founder Bob James made sure his clients understood the importance of preserving their wealth, assets and investments for their loved ones.

What is a trust?
A trust is a legal entity to facilitate wealth transfer and preservation. It is a legal agreement between two parties, the person who creates the trust and the trustee (the person, institution or independent trust company responsible for administering the trust.) The trustee manages the assets placed in the trust for the benefit of a third party, the beneficiary. Typically, trusts are drafted by attorneys.

Unlike wills, trusts are not subject to probate and therefore enable you to keep your affairs private and minimize settlement costs and estate taxes.

Why you may need a trust
Trusts are ideal for all asset levels and offer a number of benefits. You can control what happens to your estate, regardless of its size; possibly reduce estate taxes; and potentially avoid complications in probate, a lengthy and expensive process that can take six months to two years or longer.

But saving on taxes isn’t the only reason for trusts. Some families want to plan for long-term care or education for their children or grandchildren. Others want to provide for a favorite charity. One thing is certain, if a trust is needed, the time to plan for it is now.

Mutual Funds

Your purchasing power at work.

Retirement Planning

Work with a financial advisor to map a comprehensive, thoughtful retirement strategy.

Stocks

How do stocks fit into my financial plan?

Your Purchasing Power ... Multiplied
Whether you are a new investor or an experienced one, investing in mutual funds may be an easy way to diversify your holdings. A growing segment of the investment market, mutual funds are professionally managed portfolios whose shares are sold to the public in much the same way that stocks are.

Think of a mutual fund as a way for a giant group of people to pool their money together to have more purchasing power. If you were to invest $100 a month into the stock market, you wouldn’t be able to buy many shares. But if thousands of people invest $100 each month, as a group they can buy substantial shares.

Because fund managers can afford to purchase more shares, they are able to better diversify fund holdings. This, in turn, generally provides you with an instantly diversified portfolio.

Investing 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 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.

Nearing 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. 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.

Living 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 achieve 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 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.

Every day, millions of people trade stock in markets around the world. But what does it actually mean to own stock? For many, it simply represents a dream of financial gain. But stocks are much more than investments. They allow companies to expand business overseas, build new buildings, create more jobs, offer better pay and conduct life-saving research.

By learning about this complex system, you can begin to understand the importance stocks play in our economy. And you can make more informed decisions about your own investment portfolio.

What is stock?
Stock signifies ownership in a corporation. Many companies issue stock, also known as equity, to raise money for expansion, equipment upgrades or other costly developments.

By purchasing stock, you are actually paying for a small percentage of everything the company owns. Generally, investors purchase stock to realize capital gains.

College Planning

What will it take to deliver the dream?

Identity Theft

The more you know about identity theft, the better you can protect yourself.

401(k)

What to expect from your 401(k) advisor.

 

Exploring the Various Ways of funding a College Education
Before your child was even born, you were planning. What will we name him? What color should we paint her room? What is the best childcare alternative?

But with all the demands and decisions that new parents face, one important aspect is often unintentionally overlooked in those early stages – college. However, with tuition rates rising, it should be at the top of every parent’s planning list ... no matter what the child’s age.

What’s more, saving for a child’s education doesn’t necessarily have to rest entirely with parents. With the flexibility and convenience of today’s savings plans, many alternatives make good sense for grandparents, aunts and uncles, other family members and friends.

You have big dreams for the child in your life. Don’t let a lack of planning sidetrack those aspirations. As Raymond James financial advisors, we’re here to assist. Our knowledge and professional guidance can help you give your child the opportunity for the bright future he or she deserves.

Take Steps Now to Prevent Identity Theft
At Raymond James, ensuring your privacy is a top priority. We devote extensive technological and human resources to protecting the information you entrust to us. But we want our clients and their families to be able to protect themselves, too. That's why we're working to educate consumers about guarding their valuable personal and financial information against fraudulent use. It's simply part of our commitment to helping individuals and families be financially secure and independent, both now and in the future.

The More You Know About Identity Theft, the Better You Can Protect Yourself.
By definition, identity theft is the use, or attempted use, of an account or identifying information without the owner's permission. Normally, it involves stealing an individual's personal information and using it illegally for financial gain or other fraudulent purposes.

An Important Decision
As an employer and sponsor of a 401(k) plan, your company shoulders a major responsibility. You must listen to the needs of your employees and then select the appropriate service provider(s) at a reasonable cost, determine the optimal plan design provisions, choose and monitor investments, keep up with legislative changes, ensure your plan is administered properly, and educate and inform plan participants. All of this hopefully results in a plan that inspires employees to reach their retirement dreams, while helping you recruit and retain valuable associates.

How do you know if your company is meeting these challenges? How do you select service providers or investments – what are the criteria? How do you know if your plan is working? Does your company have the resources to handle these responsibilities alone?

Unless your company has individuals with 401(k) expertise who are solely dedicated to managing your employee retirement plan, you should consider hiring a financial advisor who specializes in 401(k) plans and is as dedicated to your needs as you are to your employees.

An effective 401(k) advisor is much like a coach, coordinating the work of those with specific expertise in certain areas. Since you have the overall responsibility for all the various plan functions, it is important that you select someone who can manage the whole, rather than just certain parts.

Insurance and Annuities

Preparing for the unexpected may start with quality insurance alternatives.

Freedom Account

Managed accounts with the flexibility to meet your investment goals.

Cash Management

Understand the potential and importance cash plays in your overall financial strategy.

Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. Raymond James provides a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family and your business.

Build a protective cushion with life insurance.

Preserve your estate with long-term care insurance.

Combine protection with tax-advantaged growth opportunities with annuities.

Related: A Guide to Annuity Compensation at Raymond James

Because your lifestyle and financial needs are unique, Freedom portfolios encompass a wide range of investment strategies. From capital protection to asset growth, your advisor will help determine which model is right for you based on your personal goals and risk tolerance. Seeking income in your retirement years? We have a Solution for that, too. Together, we'll help you build a diversified portfolio of carefully selected managers designed to help you accomplish your financial goals.

Further information on the funds selected for the Freedom Portfolios is available by prospectus, which can be obtained through our financial advisors. 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. Investing involves risk and investors may incur a profit or a loss.

You know cash plays a vital role in your day-to-day finances, but have you thought about how big a role it should play in your plans for the future?

How it could be managed more effectively to help meet near-term needs and work harder for your lifelong goals?

How it could be managed more efficiently and preserved more effectively?

How it could be seamlessly integrated with your investment accounts to give you a simple, consolidated view of your finances?

Your cash has more potential than you might realize. That’s why Raymond James offers a full range of cash management solutions designed to help you make the most of it. From supplementing retirement income to streamlining your finances, your cash has the capacity to be a driving force in your financial plan and for your financial future – and we can help you give it the momentum it needs

Goal Planning

Together, we can take financial planning to new levels with tools to help you plan and pursue your short- and long-term goals.

Lending Solutions

To develop a financial plan that will effectively meet both your long- and short-term goals, it is important to consider how you access cash for specific life events and events that affect your business.

With tools to help you plan and pursue your short- and long-term goals.

It’s never been easier to set your personal retirement and financial goals and follow their progress. First, watch the informative video, below. Next, print out and complete the Retirement Readiness Checklist to gauge your readiness for retirement. Then, give us a call and let’s get started.

To develop a financial plan that will effectively meet both your long- and short-term goals, it is important to consider how you access cash for specific life events and events that affect your business. We are here to help guide you in decisions about saving, investing, protecting and borrowing money at the times when you need it most.

Borrowing is sometimes a better alternative to liquidating assets, and your need for cash does not need to disrupt your investment strategy. Let us consult you on your best solutions for:

Renovating a homePaying for tuitionShort-term bridge financingPlanning a vacation of a lifetimePurchasing luxury itemsTaking advantage of a real estate opportunitySupporting a businessLaunching new business venturesActing on an investment opportunityConsolidating debtPaying taxes1

Three of our most popular borrowing solutions are:Mortgages – through our affiliate, Raymond James Bank, we offer versatile financing for new home purchases, second homes and investment property, as well as refinancing existing mortgages and borrowing against home equity via a fixed rate home equity loan or home equity line of credit at competitive rates. Work with a mortgage consultant specifically assigned to serve you.
Securities Based Line of Credit (SBLC)2, 3 – Put the value of your investment accounts to work. Collateralized by one or more Raymond James accounts, this flexible line of credit lets you borrow money for a variety of purposes (except the purchase of securities).
Margin2 – A margin account allows you to access cash borrowed against pledged assets for any legal purpose through your Capital Access account.

Before you make a large purchase or investment in your business, let’s talk about your cash management and financing options and how they can be a beneficial part of your overall long-term financial plan.

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We have seminars two or more times a year