A. With four multidiscipline professionals who excel in their own areas of expertise, our team provides you with detailed knowledge in specific areas rather than average knowledge in all.
Our process leverages the extensive planning resources of Raymond James Financial and upholds the Raymond James core values.
Client First: We take care of our clients and their financial well-being. Only when we help them achieve success do we achieve our own.
Conservatism: We take a long-term approach. Discipline in decision making translates to a strong, stable firm for clients, advisors, associates, and shareholders.
Independence: We value our independence as a company and respect the right of professionals who affiliate with us to make decisions in the best interests of their clients.
Integrity: We are forthright in our approach and seek to earn each client’s trust.
A. Founded in 1962 and a public company since 1983, Raymond James is a diversified financial service holding company with subsidiaries engaged in financial planning and investments, as well as asset management and investment banking. Our stock is traded on the New York Stock Exchange (RJF). To learn more, click here.
A. We utilize an asset-based fee approach to our compensation model. Under this scenario, we can use a multitude of investments from a variety of companies and trade as often or as few times as necessary. As your portfolio assets increase, so does our compensation. When possible, we avoid a commission-based trading model.
In a fee-only 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. To the extent that clients intend to hold these securities, the 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. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part II, as well as the client agreement.
A. To assist our clients with their financial, retirement and investment planning, we leverage the vast resources of Raymond James and also utilize our network of preferred vendors.
We have access to most types of securities, including separately managed accounts, multiple disciplines accounts, exchange-traded funds, alternative investments, mutual funds, stocks, bonds (tax-free and taxable), unit investment trusts, and annuities (variable and fixed).
Through our banking subsidiary, we can help you plan for mortgages, CD’s, cash sweep programs and securities-based lines of credit.1
We also offer life insurance and long-term care insurance. We have a vast array of vetted products we can use but we are not tied to any one company. In all, we have the ability to use whatever service, product or program that we think works best for your situation.2
1 A line of credit backed by securities, such as a Securities Based Line of Credit, a structured line of credit or a margin account, may not be suitable for all clients and investors. Borrowing on securities-backed lending products or margin accounts 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 may 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. Clients and investors may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a call. The firm can increase its maintenance requirements at any time and is not required to provide advance written notice. Clients and investors may not be entitled to an extension of time on calls. The securities in the pledged account(s) may be sold to meet the collateral calls and the securities in a margin account can be sold to meet margin calls; the firm can sell the client's securities without contacting them. Increased interest rates could also affect LIBOR rates that apply to your line of credit, causing the cost of the credit line to increase significantly. The interest rates charged on a line of credit are determined by (i) the market value of pledged assets and the net value of the client's Capital Access account or (ii) the line of credit amount. The interest rates charged on margin accounts are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information. The proceeds from a Securities Based Line of Credit or a structured line of credit 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 toward a line of credit. Lines of credit are provided by Raymond James Bank. Securities Based Line of Credit and structured line of credit provided by Raymond James Bank, N.A. Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, N.A., a federally chartered national bank.
2 Investments mentioned may not be suitable for all investors. Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The forgoing is not a recommendation to buy or sell any individual security or any combination of securities.
A. Raymond James will provide custodial service for your assets.
A. With Client Access and the Client Access mobile app, you'll be able to access your account anytime and anywhere. To see more, click here.
We also offer Raymond James Vault, a secure and encrypted manner of storing important documentation. This service allows us to share important financial information with you, your family and your trusted advisors, such as your attorney and tax preparer.
A. The frequency of meetings/conversations varies based on individual preferences and circumstances. After completing your initial plan, we seek to maintain an ongoing dialogue with you on all aspects of your finances. We recommend an annual review and a more thorough evaluation every two to three years.
A. No, we do not charge for our initial or any follow-up meetings.
A. We can walk you through this process and ensure that all documentation is completed correctly.
A. Our priority is to help you simplify your financial affairs, and we will meet with you in whatever location is most convenient for you (our office, your office, your home, etc.).
To help our remote clients, our office utilizes the latest in mobile technologies, such as Zoom teleconferencing, secure email, remote PC login, and VoIP phone services, all to ensure timely communication between our in-person meetings.
A. We will offer tax strategies as part of our analyses and recommendations. Although we have a great deal of individual tax experience, we do not directly prepare tax returns. We routinely work with our clients' accountants to ensure a two-way exchange of information, facilitating the accountant's return preparation and an accurate view of our clients' tax situation.
With our extensive experience and contacts, we can recommend tax preparers to clients who will benefit from this assistance.3
3 RJFS does not provide tax advice.
A. Call us! After we will schedule a “Get Acquainted” meeting in person or over the phone. This meeting is an opportunity for you to learn more about us and to determine which of our services are most appropriate for your needs.
Meetings are generally scheduled during regular business hours of 8:30 a.m. to 4:30 p.m. (CST), Monday through Friday, however, expanded office hours are available to accommodate special needs or situations.