Our Custodian Raymond James

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Introducing Our Custodian Raymond James

The Strength of Raymond James

Because your adviser has chosen to work with our firm for clearing and custodial services, you will both benefit from the security and solid reputation of one of the most highly regarded investment firms in the industry.

Established in 1962 and a public company since 1983, Raymond James Financial (RJF) is a diversified international service firm listed on the New York Stock Exchange. As the parent company to several broker/dealer and affiliate firms, it offers a broad spectrum of investment management and financial planning services throughout the United States, Canada, and Europe.

From our earliest days, we have valued the needs of individual clients and the freedom of their advisers above all else. This principle has grown into a corporate culture centered on independence and driven by associates who work to support both the capabilities and objectivity of the advisers we serve, including yours.

Remember, however, that as an independent RIA, your adviser may select investment products and alternative strategies offered by other firms and not held in your Raymond James account.

Dedication Worthy Of Recognition

Raymond James is proud to receive consistent national recognition from our industry, our peers, our advisers, and their clients. However, we are not only known for the high level of service and products we provide. Our firm has also been recognized nationally for its community support and corporate philanthropy, most notably for its support of the arts and for Raymond James Stadium, home of the Tampa Bay Buccaneers. Our dedication to community service is an important part of our core values of independence, integrity, conservatism, and always putting the needs of our clients first.

Protecting Your Assets

In selecting Raymond James as a custodian of your assets, your adviser has placed significant trust in our firm – a responsibility we take very seriously. We are committed to upholding that trust by taking every precaution necessary – and then some – to help protect your wealth.

SIPC Protection For Client Accounts

Safeguarding your assets is our highest priority. Raymond James & Associates, Inc., 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 for SIPC protection is available upon request at sipc.org or by calling 202.371.8300.

Raymond James has also purchased excess SIPC coverage through various syndicates of Lloyd’s, a London-based firm. Excess SIPC is fully protected by 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 an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.

FDIC Protection For Bank Deposits

Accounts held at Raymond James Bank are insured by the FDIC, an independent agency of the United States government, for up to $250,000 per depositor. FDIC protects against the loss of insured deposits if an FDIC-insured bank or savings association fails. FDIC deposit insurance is backed by the full faith and credit of the United States government. FDIC insurance covers funds in deposit accounts, including checking and savings accounts, money market deposit accounts, and certificates of deposit (CDs).

Raymond James Bank Deposit Program

With the Raymond James Bank Deposit Program (RJBDP), available cash in your Raymond James account is deposited into interest-bearing accounts at multiple 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, which can be found on raymondjames.com/rjbdp.

Clients with accounts that are eligible for RJBDP can receive combined FDIC insurance of up to $3 million ($6 million for joint accounts). Combined FDIC insurance is subject to program banks’ available capacity with Raymond James.

This program allows us to go even further to protect your assets. The Raymond James Bank Deposit Program is designed to make sure you get the most out of your cash while aiming to maximize your insurance coverage. And, of course, your cash is always available to you.

ERISA accounts and Managed IRAs are not eligible for the multi-bank sweep program. These accounts can elect RJBDP – Raymond James Bank Only.

RJBDP – Raymond James Bank Only offers FDIC coverage up to $250,000 ($500,000 for joint accounts). 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. The FDIC deposit insurance amount is $250,000 per depositor per insured depository institution for each account ownership category. Visit fdic.gov for more information.
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Wealth Solutions Estate Planning Solutions
Wealth Solutions Estate Planning Solutions

Wealth Solutions Estate Planning Solutions

Effective estate planning requires the right vehicles – such as trusts – combined with the prudent selection, balance, and placement of investments. By drawing from Raymond James’ extensive array of tax, trust, and financial planning expertise, your adviser can help ensure your wishes are implemented.

Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.

Trust Services
Trust Services

Trust Services

Raymond James Trust, N.A., a wholly owned subsidiary of Raymond James Financial, allows advisers to manage client assets using comprehensive trust services and products. Our trust company manages more than $7 billion in assets for clients in all 50 states.

We allow advisers to offer their clients a full array of trust structures, including charitable-giving tools that may also feature tax advantages. These include solutions such as charitable remainder trusts and charitable remainder annuity trusts, along with donor-advised funds offered through Raymond James Charitable.

In addition to providing personalized advice, Raymond James Trust may act as trustee, agent for trustee, custodian, or personal representative/executor for a wide variety of estate situations and trusts.

Credit and Lending Solutions
Credit and Lending Solutions

Credit and Lending Solutions

Whether you need funds for an emergency or an unanticipated investment opportunity, Raymond James can provide your adviser with the tools you need.

Margin Accounts
Margin Accounts

Margin Accounts

Margin accounts at Raymond James allow investors to borrow against eligible securities at interest rates below, at, or slightly above the prime rate, depending on the amount borrowed. These accounts provide cash on demand, with no lengthy application or approval process.1

1A 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.

Banking Services
Banking Services

Banking Services

Through Raymond James Bank, a variety of competitive lending programs are available to help your adviser meet your needs, including personal loans.

Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, member FDIC, a federally chartered national bank. 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.

Cash Management Solutions
Cash Management Solutions

Cash Management Solutions

Through Raymond James, your adviser can offer a number of solutions to help you manage your ongoing cash needs.

Capital Access
Capital Access

Capital Access

Capital Access, Raymond James’ easy-to-use cash management program, provides a comprehensive solution for handling and consolidating your day-to-day finances with online access and dedicated support.

Securities Based Lending
Securities Based Lending

Securities Based Lending

A Securities Based Line of Credit is a loan through Raymond James Bank that’s collateralized by securities within a Raymond James brokerage account, offering increased borrowing power and highly competitive pricing. Rather than selling securities and disrupting long-term investment plans, this option gives investors liquidity to meet personal or business financing needs.

Please note, the proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities.2

2A Securities Based Line of Credit (SBLC) may not be suitable for all clients. The proceeds from an SBLC cannot be used to purchase or carry margin securities, variable insurance products or any insurance product issued or brokered through 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 an SBLC. 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 can sell the client’s securities without contacting them. A client is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a collateral call. The firm can increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client is not entitled to an extension of time on a collateral call. Increased interest rates could also affect LIBOR rates (or any successor rate thereto) that apply to your SBLC, causing the cost of the credit line to increase significantly. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s non-pledged Capital Access account. Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, a federally chartered national bank. Products, terms and conditions subject to change. Subject to standard credit criteria.

Credit Card
Credit Card

Credit Card

Issued through Elan Financial Services, the Raymond James credit card suite offers consumer and business cards from Mastercard® and American Express®, giving you the purchasing freedom you need, the financial control you want, and the generous rewards you deserve – plus you can pay your monthly balance automatically from your Capital Access account.

Small Business Solutions
Small Business Solutions

Small Business Solutions

Our seasoned professionals can help your adviser and you develop, implement, and monitor a retirement or benefit plan that suits the needs of your business, as well as those of your employees. For business owners seeking the most appropriate exit strategies, Raymond James has extensive experience in succession planning, from business valuation services to assessing tax implications.

Institutional Solutions
Institutional Solutions

Institutional Solutions

Your adviser has the full resources of our Investment Banking group on call. Raymond James offers a full range of investment banking services, including mergers and acquisitions (M&As), initial public offerings (IPOs), debt and equity raises, valuation, advisory, ecapitalization, and restructuring. We complement these services with our syndicate, trading, institutional sales, venture capital, merchant banking, corporate banking, private equity, and separately managed account (SMA) services.

High-Net-Worth Strategies
High-Net-Worth Strategies

High-Net-Worth Strategies

Raymond James provides an array of tools to help advisers address the specialized financial needs of high-net-worth individuals and families.

Alternative Investments
Alternative Investments

Alternative Investments

Your adviser has access to Raymond James’ high-quality, nontraditional investments – such as hedge funds, funds of funds, managed futures, private equity, real estate, and commodities – to attempt to enhance the portfolios of high-net-worth investors who meet specific requirements, including minimum-net-worth tests.

These investments each involve specific risks that may be greater than those associated with more traditional investments. Before you invest, your adviser will help you assess the specific risks associated with alternative investments, which typically include limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should also be aware that there is no assurance that any investment will meet its performance objectives and may, in fact, incur substantial losses. Only invest in hedge funds, managed futures or other similar strategies if you do not require liquidity and are able to assume the risk of substantial losses.

Concentrated Equity Strategies
Concentrated Equity Strategies

Concentrated Equity Strategies

Through Raymond James, your adviser can offer a number of methods designed to monetize concentrated equity positions and/or control the risks associated with them, including options that involve risks and are not suitable for everyone. Individuals should not enter into options transactions until they have read and understood the risk disclosure document, Characteristics and Risks of Standardized Options, available by visiting OptionsEducation.org or by contacting your broker, any exchange on which options are traded, or The Options Clearing Corporation at 125 S. Franklin St., #1200, Chicago, IL 60606. In order to simplify the calculations used in the examples in these materials, commissions, fees, margins, interests, and taxes have not been included. These costs will impact the outcome of any stock and options transactions and must be considered prior to entering into any transactions. Investors should consult their tax adviser about any potential tax consequences. Any strategies discussed, including examples using actual securities and price data, are strictly for illustrative and educational purposes and should not be construed as an endorsement, recommendation, or solicitation to buy or sell securities. Past performance is not a guarantee of future results.

Access to Respected Research
Access to Respected Research

Access to Respected Research

From our award-winning equity research and specific mutual fund recommendations to our timely economic commentaries, closed-end funds research, technical analysis, and fixed-income research offerings, Raymond James provides your adviser and you with the insight you need to make informed decisions about the financial markets, as well as specific investments.

Equity Research
Equity Research

Equity Research

Raymond James’ highly regarded research department issues detailed reports on more than 1,300 individual companies in nine highly focused industries. You and your adviser will also have access to The Focus List, a monthly report that combines both strong buy recommendations and commentary on the market and the economy.

Closed-End Fund Research
Closed-End Fund Research

Closed-End Fund Research

Our dedicated team of closed-end fund analysts can provide your adviser with research reports on opportunities in the entire universe of closed-end funds, ranging from domestic equity and municipal bond funds to emerging market funds, as well as extensive information on more than 1,300 exchange-traded funds (ETFs) and notes.

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Wealth Solutions Estate Planning Solutions
Trust Services
Credit and Lending Solutions
Margin Accounts
Banking Services
Cash Management Solutions
Capital Access
Securities Based Lending
Credit Card
Small Business Solutions
Institutional Solutions
High-Net-Worth Strategies
Alternative Investments
Concentrated Equity Strategies
Access to Respected Research
Equity Research
Closed-End Fund Research
Wealth Solutions Estate Planning Solutions

Wealth Solutions Estate Planning Solutions

Effective estate planning requires the right vehicles – such as trusts – combined with the prudent selection, balance, and placement of investments. By drawing from Raymond James’ extensive array of tax, trust, and financial planning expertise, your adviser can help ensure your wishes are implemented.

Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional.

Trust Services

Trust Services

Raymond James Trust, N.A., a wholly owned subsidiary of Raymond James Financial, allows advisers to manage client assets using comprehensive trust services and products. Our trust company manages more than $7 billion in assets for clients in all 50 states.

We allow advisers to offer their clients a full array of trust structures, including charitable-giving tools that may also feature tax advantages. These include solutions such as charitable remainder trusts and charitable remainder annuity trusts, along with donor-advised funds offered through Raymond James Charitable.

In addition to providing personalized advice, Raymond James Trust may act as trustee, agent for trustee, custodian, or personal representative/executor for a wide variety of estate situations and trusts.

Credit and Lending Solutions

Credit and Lending Solutions

Whether you need funds for an emergency or an unanticipated investment opportunity, Raymond James can provide your adviser with the tools you need.

Margin Accounts

Margin Accounts

Margin accounts at Raymond James allow investors to borrow against eligible securities at interest rates below, at, or slightly above the prime rate, depending on the amount borrowed. These accounts provide cash on demand, with no lengthy application or approval process.1

1A 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.

Banking Services

Banking Services

Through Raymond James Bank, a variety of competitive lending programs are available to help your adviser meet your needs, including personal loans.

Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, member FDIC, a federally chartered national bank. 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.

Cash Management Solutions

Cash Management Solutions

Through Raymond James, your adviser can offer a number of solutions to help you manage your ongoing cash needs.

Capital Access

Capital Access

Capital Access, Raymond James’ easy-to-use cash management program, provides a comprehensive solution for handling and consolidating your day-to-day finances with online access and dedicated support.

Securities Based Lending

Securities Based Lending

A Securities Based Line of Credit is a loan through Raymond James Bank that’s collateralized by securities within a Raymond James brokerage account, offering increased borrowing power and highly competitive pricing. Rather than selling securities and disrupting long-term investment plans, this option gives investors liquidity to meet personal or business financing needs.

Please note, the proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities.2

2A Securities Based Line of Credit (SBLC) may not be suitable for all clients. The proceeds from an SBLC cannot be used to purchase or carry margin securities, variable insurance products or any insurance product issued or brokered through 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 an SBLC. 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 can sell the client’s securities without contacting them. A client is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a collateral call. The firm can increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client is not entitled to an extension of time on a collateral call. Increased interest rates could also affect LIBOR rates (or any successor rate thereto) that apply to your SBLC, causing the cost of the credit line to increase significantly. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s non-pledged Capital Access account. Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, a federally chartered national bank. Products, terms and conditions subject to change. Subject to standard credit criteria.

Credit Card

Credit Card

Issued through Elan Financial Services, the Raymond James credit card suite offers consumer and business cards from Mastercard® and American Express®, giving you the purchasing freedom you need, the financial control you want, and the generous rewards you deserve – plus you can pay your monthly balance automatically from your Capital Access account.

Small Business Solutions

Small Business Solutions

Our seasoned professionals can help your adviser and you develop, implement, and monitor a retirement or benefit plan that suits the needs of your business, as well as those of your employees. For business owners seeking the most appropriate exit strategies, Raymond James has extensive experience in succession planning, from business valuation services to assessing tax implications.

Institutional Solutions

Institutional Solutions

Your adviser has the full resources of our Investment Banking group on call. Raymond James offers a full range of investment banking services, including mergers and acquisitions (M&As), initial public offerings (IPOs), debt and equity raises, valuation, advisory, ecapitalization, and restructuring. We complement these services with our syndicate, trading, institutional sales, venture capital, merchant banking, corporate banking, private equity, and separately managed account (SMA) services.

High-Net-Worth Strategies

High-Net-Worth Strategies

Raymond James provides an array of tools to help advisers address the specialized financial needs of high-net-worth individuals and families.

Alternative Investments

Alternative Investments

Your adviser has access to Raymond James’ high-quality, nontraditional investments – such as hedge funds, funds of funds, managed futures, private equity, real estate, and commodities – to attempt to enhance the portfolios of high-net-worth investors who meet specific requirements, including minimum-net-worth tests.

These investments each involve specific risks that may be greater than those associated with more traditional investments. Before you invest, your adviser will help you assess the specific risks associated with alternative investments, which typically include limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should also be aware that there is no assurance that any investment will meet its performance objectives and may, in fact, incur substantial losses. Only invest in hedge funds, managed futures or other similar strategies if you do not require liquidity and are able to assume the risk of substantial losses.

Concentrated Equity Strategies

Concentrated Equity Strategies

Through Raymond James, your adviser can offer a number of methods designed to monetize concentrated equity positions and/or control the risks associated with them, including options that involve risks and are not suitable for everyone. Individuals should not enter into options transactions until they have read and understood the risk disclosure document, Characteristics and Risks of Standardized Options, available by visiting OptionsEducation.org or by contacting your broker, any exchange on which options are traded, or The Options Clearing Corporation at 125 S. Franklin St., #1200, Chicago, IL 60606. In order to simplify the calculations used in the examples in these materials, commissions, fees, margins, interests, and taxes have not been included. These costs will impact the outcome of any stock and options transactions and must be considered prior to entering into any transactions. Investors should consult their tax adviser about any potential tax consequences. Any strategies discussed, including examples using actual securities and price data, are strictly for illustrative and educational purposes and should not be construed as an endorsement, recommendation, or solicitation to buy or sell securities. Past performance is not a guarantee of future results.

Access to Respected Research

Access to Respected Research

From our award-winning equity research and specific mutual fund recommendations to our timely economic commentaries, closed-end funds research, technical analysis, and fixed-income research offerings, Raymond James provides your adviser and you with the insight you need to make informed decisions about the financial markets, as well as specific investments.

Equity Research

Equity Research

Raymond James’ highly regarded research department issues detailed reports on more than 1,300 individual companies in nine highly focused industries. You and your adviser will also have access to The Focus List, a monthly report that combines both strong buy recommendations and commentary on the market and the economy.

Closed-End Fund Research

Closed-End Fund Research

Our dedicated team of closed-end fund analysts can provide your adviser with research reports on opportunities in the entire universe of closed-end funds, ranging from domestic equity and municipal bond funds to emerging market funds, as well as extensive information on more than 1,300 exchange-traded funds (ETFs) and notes.

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