Serving the needs of growing businesses

A well-constructed 401(k) plan or profit sharing plan is an ideal way for organizations to attract and retain quality staff, as well as help owners, executives and directors plan and save for their own futures. We can help you establish, manage and run the plan that is right for you and your company – and assist with all aspects of the plan, including investment policy statement development, investment recommendations, provider reviews, yearly annual reviews and employee education.

Services include

• Plan transition and integration
• Development of Investment Policy Statement
• Development, implementation and monitoring of investment program
• Executive benefits
• Vendor analysis
• Complex asset allocation
• Compliance consulting
• Employee education and communication
• Ongoing monitoring with easy-to-read reporting

How you borrow and manage cash can be as important to the success of your wealth plan as having the appropriate investment strategy. That’s why we offer you a complete suite of cash management tools and borrowing options that give you the power to manage your day-to-day finances without disrupting your long-term financial plan.

Cash management

Our integrated cash management solution, Capital Access, is designed to help you simply and flexibly manage your immediate and long-term cash needs with a host of features and benefits, including the convenience of a Visa Platinum debit card, unlimited check writing and direct deposits.

With access to your account through an online portal or mobile application, you’ll be able to easily monitor your financial information from any device 24 hours a day, seven days a week. And with automatic ATM fee reimbursements, you can enjoy the access and freedom to use any bank’s ATM, saving you time – and money.*

We also offer concierge services that are available to assist you with setting up online bill pay so you can enjoy the convenience, safety and reliability of one time or recurring payments.

*Capital Access account holders eligible for reimbursement up to $100 per year ATM surcharge-fees. Premium account holders eligible for reimbursement up to $200 per year ATM surcharge-fees.

Smart borrowing options
We offer a comprehensive suite of cash management and lending solutions to help satisfy your lending needs and also complement your overall investment strategy.

Depending on your situation, a Securities Based Line of Credit can be¹ an ideal and flexible capital source that is easy to establish and maintain. A Margin loan² offers another resourceful financing solution that is easy to set up, allowing you to determine your repayment schedule and the amounts all while leveraging your existing securities.

Raymond James Bank offers several types of loans, each designed to work holistically with your financial plan. They can be used for a variety of objectives, such as growing your business, purchasing a luxury item or taking advantage of other investment opportunities.

We can avoid disrupting your long-term plan by working with a lending solutions consultant to identify opportunities to borrow against existing assets in Raymond James pledged accounts.

Lending services include:

• Real estate loans
• Construction loans
• Securities lending

Other banking services include:

• Cash “sweep” to brokerage account
• Rewards program
• Online account access
• Check writing
• Overdraft protection
• Automatic payment/fund transfer
• Visa^® debit card

Raymond James does not offer tax advice. Please consult your tax advisor for questions regarding your tax situation.

¹ A Securities Based Line of Credit (SBLC) may not be suitable for all clients. The proceeds from a SBLC cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (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 SBLC. Borrowing on securities based lending products 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. 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 Collateral Call, and the firm can sell the client's securities without contacting them. A client is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Collateral Call. The firm can increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client is not entitled to an extension of time on a Collateral Call. Increased interest rates could also affect LIBOR rates that apply to your SBLC causing the cost of the credit line to increase significantly. The interest rates charged are determined by the market value of pledged assets and the net value of the client's non-pledged Capital Access account. 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, N.A. 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.

² 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.

All funds held at participating banks in the Bank Deposit Program are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Available cash in your Raymond James account is deposited into interest-bearing accounts at up to 12 banks. Raymond James will deposit up to $245,000 ($490,000 for joint accounts of two or more) in each bank on a predetermined bank priority List. Additional information can be found at fdic.gov or by calling 877.ASK.FDIC (877.275.3342).