Asset allocation - Balances the risks of investing by dividing the portfolio into asset categories such as stocks, bonds and cash. Diversified portfolios can reduce risk.

Asset management - Our investments on your behalf, providing access to a wide range of traditional and alternative financial products.

Cash management - Investing your cash in financial products that provide the best returns while providing the most safety.

College planning - Determining the best products to hold your investments for educational purposes, including 529 plans and others designed with education in mind.

Equity investing - Investing in the ownership of business entities or other assets — most commonly, stocks traded in official exchanges.

Estate planning - Planning your portfolio and your overall wealth, including preparation of products that minimize taxes and maximize inheritances after death.

Fixed income investing - Low-risk, often fixed-rate investments such as bonds, notes Treasury Bills or commercial paper. Values are historically less volatile than equities.

Insurance and annuities - Life, long-term care and other insurance policies, and immediate or other types of annuities. All are insurance company products.

Investment research - Our practiced study of financial markets. Raymond James is known nationally for its forward-looking mutual fund and equity research.

Long-term care planning - Important but difficult subject to discuss; an essential consideration in everyone's financial plan.

Retirement planning - An ongoing process of investing and adjusting your investments to help you reach your retirement goals and dreams.

Risk management analysis - Assessing your tolerance for risk through straightforward discussions about financial risk and losses before deciding on an investment strategy.

Tax planning - Considering the tax consequences of everything from wealth accumulation to required minimum withdrawals — and minimizing those effects.

Trust services - Arranging a large variety of trusts that serve special purposes, ranging from charitable donations to passing money along to heirs.