Managing Wealth in a prudent manner

Alternative investments can serve as a source of reduced portfolio correlations, especially in times of market instability. They can add diversification to portfolios, offer enhanced return potential and provide access to exclusive investment talent. Examples include real estate, private equity, commodities, managed futures, structured products and hedge funds.

Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum-net-worth tests. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in alternative investments if you do not require a liquid investment and can bear the risk of substantial losses. Diversification does not guarantee a profit nor protect against loss.

Preserving wealth and maintaining high standards of living are priorities of our clients. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and investing. We create plans for distributions from portfolios designed to preserve principal.* We also assist with longevity planning, required minimum distributions, income planning, tax planning, proper account diversification, beneficiaries, multigenerational wealth transfer, charitable giving, and asset protection and reallocation.

*The distribution amount is not guaranteed and may require adjustments based on market performance. Diversification does not guarantee a profit nor protect against loss.

Executives of publicly traded companies are often faced with many challenges when managing their personal financial plans. The individuals are often so busy with their careers that they are unable to devote attention to their own financial matters. We offer guidance to executives on key issues, including concentrated stock positions, equity-based compensation, regulatory requirements and forms filing, company trading policies and additional corporate solutions.

We provide business owners with strategies to address the challenges of running their companies, often the most important asset they own. We can provide guidance in asset preservation, cash management, employee retention, insurance, financing and succession planning. Additionally, Raymond James is a leading investment bank that offers advisory services related to public offerings, mergers and acquisitions, and restructurings.

We understand the long hours put into establishing and running a successful practice. Yet with factors such as healthcare reform, rising malpractice premiums and increasing human resources responsibilities, making smart financial decisions is imperative. Unique needs include tax planning, managing cash flow, mitigating the effect of healthcare cutbacks, preserving assets from liability risk, managing education debt, valuating a practice for purchase or sale, and achieving financial independence. Our clients can rely on us to provide advice for personal financial matters and the needs of their practice.

Through Raymond James Bank, we offer personal lines of credit¹ and mortgages². Additional services offered include investment accounts with check writing, online bill payment, enhanced reporting and more. We also can assist in evaluating short-term interest-bearing instruments such as brokered certificates of deposit, money market accounts and cash sweep options.

¹ The personal line of credit is through a margin account. A 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.

² Mortgages offered by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. 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 put into contact with a Raymond James Bank employee for your residential mortgage needs. Subject to standard credit criteria. Property insurance required. Flood insurance may be required. 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.

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