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Estates and trusts Asset Management ServicesIn today’s complex marketplace, even sophisticated investors are challenged to stay current, to monitor their investments, and to respond to rapidly changing conditions. For investors who’d like to free themselves from the need to constantly monitor asset allocation and portfolios, Raymond James provides access to professionals whose skills at risk profiling, institutional asset allocation, money management selection and investment policy development can help you navigate in a constantly-changing environment. Look to us for asset management services that are:
How We're DifferentFor individuals who seek a disciplined, systematic strategy to manage risk and return, active management has never been easier. And these investments have never been more accessible – all because our four-step process sets us apart. Step one: We will help you complete a comprehensive Investment Policy Questionnaire which is is used as a starting point to determine risk tolerance, time horizon and return expectations. Asset Management Services develops the kind of forward-looking risk and return assumptions that move beyond just using historical data, which has been shown to encourage trend-chasing behavior in even the most sophisticated investor. Step two: Asset allocation choices are constructed and presented for full discussion. You'll find that the forward-looking capital markets assumptions are used in a sophisticated optimization process that seeks to maximize the return potential at each level of risk in an approach that is specifically selected to fit your situation and respects your dreams for the future. Step three: Managers are selected and portfolios created. We do more than just examine a manager's total returns, we isolate their efforts from the effects of the market, seeking to identify manager skill. We treat portfolio construction as a distinct piece of the process. Step four: We proactively and continuously monitor each element of the program. We scrutinize every manager in an effort to proactively identify issues that could impact performance. We search for potential managers who meet strict requirements. You can be confident that you have access to a broad range of investment alternatives and that your portfolio is being managed in a manner that's customized, comprehensive and ongoing. All this frees you from the day-to-day monitoring of your investments. And you don't have to sacrifice quick response when your life changes. Investing involves risk and you may incur a profit or a loss. There is no assurance that any investment strategy will be successful. Managed AccountsWe believe there is great potential in today's wide range of investment alternatives – and we recognize a corresponding increase in complexity as well. That's why Raymond James is dedicated to providing institutional-quality portfolio options for individual investors; we believe that individual investors deserve a disciplined, systematic strategy to manage risk and return. With a managed account, you'll gain access to carefully selected institutional money managers and a process designed to help you to more systematically diversify your holdings. We help you select a portfolio that closely matches both your financial objectives and your level of risk tolerance. Then we systematically monitor risk and return on an ongoing basis. We believe it's a powerful approach. Working closely with your financial advisor, you'll invest using a process similar to that used by the most sophisticated institutions. There is no assurance that any investment program will result in success. Investing involves risk and investors may incur a profit or a loss. Separately Managed Accounts (SMAs) may not be appropriate for all investors. SMA minimums are typically $100,000 and greater, thus SMAs may be more appropriate for affluent investors with $300,000 or more to invest. While diversification may be achieved within an individual SMA, due to holdings typically numbering between 20 and 70 securities, it is recommended that clients utilize multiple SMAs with varied investment disciplines (growth, value, large-cap, mid-cap, etc.) to achieve greater diversification. It is important to review investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager. In making an investment decision an individual should utilize other information sources and the advice of their financial advisor. Diversification does not ensure a profit or guarantee against a loss. What Is a Managed Account?A separately managed account is one that's owned by the individual investor and monitored by a professional money manager. In the past, only institutional investors (like large pension plans and endowments) could get access to professional money management firms. But that's changed. Now the services of these money managers are within reach of individual investors just like you. There is no assurance that any investment program will result in success. Investing involves risk and investors may incur a profit or a loss. Separately Managed Accounts (SMAs) may not be appropriate for all investors. SMA minimums are typically $100,000 and greater, thus SMAs may be more appropriate for affluent investors with $300,000 or more to invest. While diversification may be achieved within an individual SMA, due to holdings typically numbering between 20 and 70 securities, it is recommended that clients utilize multiple SMAs with varied investment disciplines (growth, value, large-cap, mid-cap, etc.) to achieve greater diversification. It is important to review investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager. In making an investment decision an individual should utilize other information sources and the advice of their financial advisor. All investments carry a certain degree of risk and no one particular investment style or manager is suitable for all types of investors. Statements made herein should not be considered forward looking, and are not guarantees of future performance of any investment. A complete schedule of charges associated with Raymond James Consulting Services is available in the Schedule H Brochure of the RJCS Client Agreement, which are available from your financial advisor. Separately Managed AccountsThe Features of Separately Managed Accounts
Potential for strategic tax planning includes gain/loss harvesting and management of low cost basis positions. Limitations may apply and services may not be available with every discipline. Please contact your financial advisor for additional information. Our Role As Your AdvisorNo one knows you better than we do. It's likely that you share information with us to which only your closest family members are otherwise privy. That's why any sound investment program should be based on a personal relationship that is open, trusting and respectful. You deserve the professional advice of a financial advisor whose interest is vested in the success of your portfolio. Let us keep tabs on the global financial marketplace, monitor allocations, diversification and progress towards long term goals. We can help you make informed, professional choices and help you construct a plan designed with your goals in mind. We have access to resources that enable us to:
There is no assurance that any investment strategy will be successful. Diversification does not ensure a profit or guarantee against a loss. FreedomThe Freedom AccountIndustry-leading approaches to investment management and risk analysis. This mutual-fund wrap program provides institutional-quality investments with no traditional sales charges or transaction charges, just a simple, asset-based fee. Your portfolio is constantly monitored and rebalanced annually. The Freedom Account is Different
Further information on the funds selected for the Freedom Portfolios is available by prospectus, which can be obtained through your financial advisor. 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. There is no assurance that any investment strategy will be successful. In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. These internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. These additional considerations, as well as the Freedom fee schedule, are listed more fully in the Client Agreement and the Raymond James & Associate's Schedule H Brochure, which can be obtained through your financial advisor. The Freedom ETF AccountFor investors who desire a strategic approach to investing that gives them broad market exposure, the Freedom ETF Account could be appropriate. You get comprehensive, professional guidance along with a systematically constructed asset allocation that's filled with low-cost, tax-efficient exchange-traded funds (ETFs). Further information on the funds selected for the Freedom Portfolios is available by prospectus, which can be obtained through your financial advisor. 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. Clients should be aware that exchange traded funds and mutual funds have unique distinguishing characteristics and their cost structures differ, sometimes significantly. A mutual fund is a type of investment company that pools money from many investors and invests the money in stocks, bonds, short-term money-market instruments, or other securities. An ETF is a type of investment company whose investment objective is to achieve the same or similar return as a particular market index. An ETF is similar to an index fund in that it will primarily invest in the securities of companies that are included in a selected market index. An ETF will invest in either all of the securities or a representative sample of the securities included in the index. ETFs may be bought or sold throughout the day in the secondary market, unlike mutual funds which are redeemed through the issuing company at Net Asset Value. Mutual funds are typically actively managed, and as a result, the underlying management fees and operating expenses assessed by the fund companies are generally higher than those for ETFs (1% to 1.5% for mutual funds versus .20% to .30% for ETFs). Potential investors should understand that the annual advisory fee charged in the Freedom program is in addition to the management fees and operating expenses charged by mutual funds and exchange-traded funds. In addition, mutual funds may impose short-term trading charges (typically 1% to 2% of the original amount invested) which are generally NOT waived for fee-based accounts. Raymond James Consulting ServicesInstitutional Quality Portfolios for Individual InvestorsWe believe there is great potential in today's wide range of investment alternatives - and we recognize a corresponding increase in complexity as well. That's why Raymond James Consulting Services provides institutional-quality portfolio options for individual investors; we believe that individuals who invest in today's dynamic marketplace deserve a disciplined, systematic strategy to manage risk and return. We use an institutional approach to building portfolios for individuals. You gain access to carefully selected institutional money managers and a process designed to help you to more systematically diversify your holdings. We help you select a portfolio that closely matches both your financial objectives and your level of risk tolerance. Then we systematically monitor risk and return on an ongoing basis. Raymond James Consulting Services is differentDiscipline. Process. Knowledge. When it comes to investment insight, we believe ours is a powerful approach. Working closely with us, you'll invest using a process that was formerly available only to the most sophisticated institutions. Building Your Portfolio: Four Essential Steps Raymond James Consulting Services takes an institutional approach to building individual investment portfolios. Our disciplined process is founded on the investment techniques used by some of the largest, most sophisticated institutions. Ultimately, intelligent and timely investment decisions can only be made with solid information. That's one reason we provide forward-looking research; it's a key resource as investor and advisor tackle the very real challenges of today's environment. We appreciate the challenges inherent in a complicated marketplace, and see every day the compelling power that investment decisions can have on people's lives. We know that when your family's legacy is at stake, there is no substitute for an approach to investing that is reasoned, rational and scrupulously objective. Raymond James Consulting Services
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This site is published for residents of the United States only. Raymond James’ financial advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. |