Services We Offer

Planning for Retirement

Reassessing Your Retirement

If you're retired and wondering whether you'll have the income required to meet your needs and goals in the years to come, you're not alone. Just 20% of retired Americans say they are very confident that their futures are secure – down 41% from 2007.*

If you are among the remaining 80%, then it’s time to reassess your situation and your retirement plan.

*Source: Employee Benefit Research Institute’s 2009 Retirement Confidence Survey

Protecting Your Wealth

Tax-Efficient Investing

Taxes are one consideration in our investment process. For taxable accounts, it is important that we consider your personal tax situation, the tax impact of specific transactions and the after-tax efficiency of investment selections.

Concentrated Equity Solutions

For many investors, wealth comes in the form of concentrated shares in a single company. We can utilize techniques to help address the significant risk in a concentrated portfolio using hedging, monetization, diversification and charitable strategies.

Insurance Strategies

Through Raymond James' wholly owned subsidiary, Raymond James Insurance Group, we can offer a variety of insurance strategies to help clients manage risk, including:

  • Life Insurance
  • Long-Term Care Insurance
  • Disability Insurance

Family Gifting and Legacy Planning

Family Gifting and Legacy Planning

For many, one of the most rewarding aspects of wealth is sharing it with others. Whether your desire is to create a multigenerational wealth preservation and transition plan for your family, provide funding to a charitable entity, or provide for a family member’s higher education, we have access to a variety of tools to help address your legacy and wealth transfer concerns.

Trust and Estate Planning Strategies

We can provide estate planning analysis. With the resources of Raymond James Trust N.A. at our disposal, we can assist clients in the trust planning process and leverage the expertise of a professional fiduciary.

Charitable Strategies

While many individuals give to charity, few take the time to create a well-designed charitable strategy that considers personal tax benefits and control over their investments. We can assist with strategies such as:

  • Charitable Remainder Trusts
  • Charitable Lead Trusts
  • Pooled Income Funds
  • Charitable Gift Annuities
  • Donor Advised Funds
  • Private Family Foundations

Education Funding

For many, Section 529 college savings plans are an attractive way to fund a family member's higher education. In addition to tax-favored accumulation and withdrawal, you can maintain control over the assets in a 529 plan and change the beneficiary over time.

Others may consider the Coverdell ESA, especially when funding for primary or secondary education expenses.


For more information, please click the following link: Raymond James Charitable Endowment Fund | Donor Advised Fund

Investors should carefully consider the investment objectives, risks, charges and expenses associated with 529 plans before investing. This and other information about 529 plans is available in the issuer's official statement and should be read carefully before investing.

Investors should consult a tax advisor about any state tax consequences of an investment in a 529 plan. Plans offered outside your resident state may not provide the same tax benefits as those offered within your state.

Cash Management

Cash Management

Raymond James is committed to providing clients access to competitive yielding alternatives for cash management. Our bank waterfall program provides FDIC insurance coverage for up to $2.5 million in cash deposits through our network of nationally known banks. For those seeking higher yields, we also have access to a variety of other institutional-quality investments.

We maintain access to a wide range of cash alternatives:

  • Raymond James Bank Deposit Waterfall Program
  • Taxable Money Market Funds
  • Tax-Free Money Market Funds
  • FDIC-Insured Certificates of Deposit
  • Commercial Paper
  • Ultra-Short Tax Managed Bond Funds
  • Ultra-Short Municipal Issues
  • Ultra-Short Treasury/Agency Issues
  • Select Closed-End Funds
  • Select Exchange-Traded Funds

An investment in money market funds is neither guaranteed nor insured by the FDIC or any other government agency. Although money market funds seek to preserve the value of your investment at $1 per share, it is possible to lose money by investing in money market funds. Investors should carefully consider the investment objectives, risks, charges and expenses of money market funds and exchange-traded funds before investing. The prospectus contains this and other information about the funds. The prospectus is available from our office and should be read carefully before investing.

Ultra-short refers to the maturity of the underlying investments and typically involve an average duration of one year or less. There is an inverse relationship between interest rate movements and fixed income prices. Generally, when interest rates rise, fixed income prices fall and when interest rates fall, fixed income prices rise. Municipal bond interest is not subject to federal income tax but may be subject to AMT, state or local taxes.

U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term obligations of the U.S. government.

GSE securities are issued by a Government Sponsored Enterprise (GSE). Payment of principal and interest is solely the obligation of the issuer. These securities, also known as agency securities, are not backed by the U.S. government.

Closed-end funds may trade above (a premium) or below (a discount) the net asset value (NAV) of the fund’s portfolio. There is no assurance that funds trading at a discount will appreciate to their NAV.

Bank cash deposits are FDIC-insured up to $250,000 per depositor. Coverage applies to total holdings per bank per depositor. Visit fdic.gov for more information.

In September 2009, Raymond James introduced a new multibank sweep program that provides greater FDIC insurance coverage for funds held in the Raymond James Bank Deposit Program. Raymond James will deposit the available cash in clients’ brokerage accounts into deposit accounts in each bank on a priority list up to the deposit limit of $245,000 ($490,000 for joint accounts of two or more) in order to permit funds to be eligible for the greatest possible FDIC insurance coverage. Their funds will be swept into deposit accounts at up to 12 banks, providing eligibility for up to $2.5 million in deposit insurance coverage by the FDIC ($5 million for joint accounts of two or more), subject to applicable limitations.

Raymond James & Associates, Inc. is affiliated with Raymond James Bank, member FDIC, a federally chartered savings 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.

Corporate and Executive Services

Corporate and Executive Services

  • Premium, integrated solutions offered exclusively to our valued Equity Capital Markets client relationships
  • Eight dedicated professionals in St. Petersburg, Florida, coordinate a team of experienced financial advisors and specialists with knowledge and expertise across multiple disciplines
  • Services include: personal financial solutions, executive transactions and corporate solutions
  • Senior financial advisors average more than 20 years’ experience serving corporate executives and their families
  • Access to the vast resources of Raymond James Financial: Raymond James Bank, Raymond James Trust N.A., Eagle Asset Management, Inc., Raymond James Consulting Services, Raymond James Insurance Group (general insurance agency), Raymond James Financial and Retirement Services Team
  • Focused on objectively meeting the comprehensive needs of uniquely successful corporations, individuals and their families

Private Wealth Management Solutions

Exclusive Resources for Clients with Significant Assets and Complex Needs

We have access to a team of specialists dedicated to supporting us in serving clients with complex needs and significant assets. This team of experienced individuals provides insight and coordination into the vast resources of Raymond James. Topics they might assist with include:

  • Significant Wealth Events
    Sale of a family business, retirement with significant assets, handling a large inheritance, etc.
  • Complex Legacy Planning and Charitable Giving Design
  • Large Concentrations in a Single Security
  • Portfolios with Sophisticated Investment Strategies
  • Large Cash Portfolios
  • Tax Minimization Strategies
  • Asset Protection Strategies
  • Exit Strategies for Business Owners
  • Use of Trusts for Estate Planning
  • Syndicate Participation