Sophisticated wealth management

Wealth management goals vary – from income production to long-term growth to short-term liquidity. Simply put, no two investors are alike.

Since your goals and needs are unique to you, we believe your investment strategy should follow suit. We offer access to a wealth of quality investment opportunities to fit any objective, whether it is growth, capital preservation, income or other goals.

Using our extensive experience with the various choices for your portfolio, we can help guide you toward investments that can be the right fit for your circumstances. Our offerings include stocks, bonds and other fixed-income investments, mutual funds, exchange traded funds, annuities, separately managed accounts and more.

We can also provide personalized guidance in implementing not only traditional investment strategies, but also sophisticated alternatives. Some examples include

Alternative investments¹

These investments can help diversify your portfolios, offer enhanced return potential and provide access to exclusive investment management talent. Strategies include real estate, private equity, commodities, managed futures, structured products and hedge funds

Tax-managed strategies²

One of the greatest risks to sustaining wealth is the erosion of net investment gains due to taxes. Considering tax-advantaged strategies – such as municipal bonds, asset location within your accounts and the tax impact of specific transactions – can have a significant effect on what you pay and what you keep.

Once your investment strategy is agreed on, we’ll work to implement the recommendations. And to help ensure your allocation and investments remain aligned with your goals and objectives, we will manage your plan and make recommendations when necessary.

Significant wealth events

A significant wealth event can be the result of a planned milestone or an unexpected development. Whatever the catalyst, this type of event is often followed by an array of changes, fresh challenges and exciting opportunities.

A significant wealth event usually requires careful management to help you preserve that wealth, provide income for your lifestyle and help build your legacy. We can help you manage the wealth you receive through:

• Sale of a business
• Sale of real estate or other family asset
• Capital markets transaction (e.g., IPO)
• Substantial inheritance
• Lump-sum retirement payout
• Divorce
• Legal settlement
• Exercise of stock options
• Unexpected financial windfall
• Success as an athlete or entertainer

No matter how wealth is created, it should be carefully managed and preserved to help make it last as long as you need it to. And that’s what we’re here for.

There is no assurance that any investment strategy will be successful. Investing involves risk, and investors may incur a profit or a loss.

¹Alternative investments involve substantial risks that may be greater than those associated with traditional investments and are not suitable for all investors. They may be offered only to clients who meet specific suitability requirements, including minimum-net-worth tests. These risks include, but are not limited to, limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. Investors should only invest in hedge funds, managed futures, structured products, commodities, real estate or other similar strategies if they do not require a liquid investment and can bear the risk of substantial losses. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided. Investors should carefully review any offering materials or prospectuses prior to investing.

²Municipal bond investments may involve market risk if sold prior to maturity, credit risk and interest rate risk. While interest on municipal bonds is generally exempt from federal income tax, it may be subject to the federal alternative minimum tax, state or local taxes.

Retirement planning

Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset preservation and reallocation.

Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation.

Whether it’s providing income for your spouse, funding college for your children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are preserved for the uses you have intended.

One of the most rewarding aspects of significant wealth is the opportunity to share it with family, a favorite institution or a charitable organization. We are ready to provide you with the guidance and resources you need to create and implement your own lasting legacy.

The estates of ultra-high-net-worth individuals and families can be inherently complex, so having a comprehensive estate plan is crucial to help ensure a seamless transfer of wealth, avoid lengthy legal battles and mitigate taxes. We can employ a number of effective strategies specific to the preservation of wealth.

As you make careful plans for how your wealth will pass to your heirs, it is important for everyone involved to clearly understand your wishes, as well as the process by which they will be carried out. We can help you make sure everyone knows where to turn.

Preserving your estate

A carefully crafted estate plan allows you to control your assets while passing your wealth on to your beneficiaries as efficiently as possible, and in a manner that reflects your personal values and objectives. To help simplify this process, we provide access to a range of estate planning services and strategies.

Trust services

The professionals at Raymond James Trust have extensive experience with individual trusts as well as living, marital, special needs, charitable, life insurance and other specialty trusts. Under its federal charter, Raymond James Trust may serve as trustee, co-trustee, custodian, personal representative or agent to the trustee in all 50 states. In coordination with Raymond James Trust and Wealth Planning, we can develop personalized strategies designed to fit your specific needs and rely on the objectivity and resources of having Raymond James Trust as a corporate trustee.

Charitable giving strategies

When strategically executed, charitable giving not only helps the organizations you choose, but it can also generate personal tax benefits and advance your overall wealth management plan. We can help you accomplish these goals with strategies that include private family foundations, charitable remainder trusts, charitable lead trusts, charitable gift annuities, pooled income funds and our most popular giving vehicle, donor advised funds.

Through Raymond James Trust, N.A., we offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. Whether your goal is to mitigate estate taxes, provide for loved ones, or dictate how you want your wishes to be carried out, we can help.

Raymond James does not offer tax or legal advice. Please consult the appropriate professional before making any decision that may affect your tax or legal situation.

Raymond James Trust, N.A., is a subsidiary of Raymond James Financial, Inc. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Trust.

Funding your child’s or grandchild’s education

Covering the costs of a child’s or grandchild’s higher education can be a personally rewarding use of your wealth. To help ensure your money does what you need it to, we can offer options, such as custodian accounts for minors, section 529 college savings plans, sophisticated trust strategies and more.

*Donors are urged to consult their attorneys, accountants or tax advisors with respect to questions relating to the deductibility of various types of contributions to a donor advised fund for federal and state tax purposes.

Coordination with tax professionals, estate attorneys and other professionals

We collaborate with your outside advisors to help ensure a cohesive approach that brings all elements of your financial life together, organized down to the last detail.

Considerable wealth also comes with complex cash needs, which is why we also work with Raymond James Bank to help manage your daily finances and your borrowing and liquidity needs.

Managing day-to-day finances with Capital Access

We can give you access to an array of services that addresses both immediate and long-term cash needs quickly and efficiently. Through the Raymond James Capital Access program, you can help streamline and simplify the daily demands of managing your finances. With links to your Raymond James brokerage accounts, the program allows you to keep – and track – all of your financial information in one place. Capital Access also includes spending tools, such as checks, debit cards, online bill pay and daily transfers to and from your accounts.

Banking and Lending Services provided by Raymond James Bank, member FDIC, affiliated with Raymond James Financial Services and Raymond James & Associates, Inc.

Mortgage loans

Whether you are preparing to buy your first home or wanting to refinance an existing mortgage, through Raymond James Bank our team can assist you with mortgage loans based upon your unique housing needs and living situation. Considering the right lending program is as much a part of the financial planning equation as saving and investing.'

Equal Housing Lender

Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of "A" or "V". Call Raymond James Bank for rates and other information. Raymond James Bank, member FDIC, affiliated with Raymond James Financial Services and Raymond James & Associates, Inc. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, 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.

Securities Based Lending³

In a well-structured portfolio, cash is as important as stocks and bonds. Yet we find many investors do not spend as much time researching their borrowing options as they do their investments. Securities – including stocks, bonds and mutual funds – held at Raymond James may be a source of immediate borrowing power at highly competitive loan rates.

Keeping your cash working for you

Putting money to work isn’t just about investing – it’s also about earning interest on money awaiting investment. That’s why we offer you access to cash management programs that automatically transfer (or sweep) your cash balance into an interest-bearing account. These programs provide a range of other benefits, such as convenient transfers to cover trades, competitive interest rates, and FDIC insurance for bank deposits or SIPC protection for securities. For your convenience, your cash balances appear together with your other assets on your Raymond James statement.

³ The proceeds from a line of credit backed by securities cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account (with the exception of advances made into the pledged account solely for the purpose of sending out or effecting an international wire within 1 business day of receiving funds from the bank); (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, 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 towards a line of credit.

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, member FDIC.

You’ve worked hard for your wealth and are committed to safeguarding the fruits of your labor. By taking the necessary steps to help preserve your capital and risk management, you can help ensure the assets you’ve worked so hard for will be there to support your needs and maintain your desired standard of living.

We strive to identify, analyze and mitigate uncertainty in investment decisions through a vigilant and disciplined approach. We work diligently to uncover “blind spots” and mitigate risks, such as having too much invested is a specific sector or stock, and evaluate life insurance, disability and long-term care to cover risk in the event of disability or early death.

Goal planning and scenario analysis

Using Goal Planning & Monitoring, Raymond James’ sophisticated, interactive software, we can simulate various market scenarios and stress-test a variety of results. This allows us to examine your goals, spending plans and the sustainability of your portfolio. We can use this analysis to frame the complex financial decisions you face and determine how to design an investment strategy that balances your unique risk tolerance and the return requirements designed to meet your goals.

IMPORTANT: The projections or other information generated by Goal Planning & Monitoring regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Insurance protection

Insurance can play a key role in protecting your wealth and providing for the ongoing needs of your family. Working with the Raymond James Insurance Group, we can help you determine the insurance protection best suited to your distinct requirements. The group also offers a full range of products – from disability and long-term care to term and permanent life insurance – for individuals and businesses. Depending on your specific situation, insurance strategies may also provide tax and wealth transfer benefits.

Insurance products offered through Raymond James Insurance Group, an affiliate of Raymond James & Associates, Inc.

Concentrated equity strategies

Family wealth is often concentrated in a single stock, either inherited or earned during a successful business career. If you’re in this situation, there are many options available beyond simply selling the stock.  Although mitigating the risk of a concentrated equity position can be complicated, we can provide a variety of strategies that can hedge, monetize, diversify or transfer the position while managing the tax implications.

Diversification and asset allocation do not ensure a profit or protect against a loss.

Secure document storage

You can use the Raymond James Vault to securely store their documents. It’s online behind-the-firewall cloud storage inside Client Access that uses multiple layers of digital security.

From financial statements and legal agreements to passports and photos of valuable assets, Vault puts it all right at your fingertips. And with the ability to upload, download and add comments to the files you place in Vault, you can work directly with your advisor from your own computer. You can also grant access to other professionals, such as your attorney or accountant, at your discretion.

Family stewardship, in simple terms, is the management of the structures and relationships among family members, and the direction that the family seeks to go over time. A family must devote time to defining what it stands for.

We work closely with our clients to conduct family meetings and prepare heirs to accomplish these objectives. Topics can include defining the role of each family member, creating policies, multigenerational planning, addressing issues, such as health and wellness, caregiving and philanthropy, providing financial education for younger family members, legacy planning, and facilitating business-family communication.