Ben Mills

Ben Mills joined Raymond James Bank in 2017. He has over 10 years of experience, having worked at Morgan Stanley and Wells Fargo as a banker assisting financial advisors and their clients with products such as Securities Based Lines of Credit (SBL), mortgages and more.

Ben received his MBA from Jacksonville State University. He was raised in Colorado and lived in North Carolina for 19 years prior to moving to Illinois. In his spare time, Ben is a barbershop quartet guy, enjoys all things sports and spending time with his wife and eight kids.

Raymond James Financial Services and your Raymond James Financial Advisors 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 referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.

A line of credit backed by securities, such as a securities based line of credit or a structured line of credit, may not be suitable for all clients. 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 may sell the client’s securities without contacting them. A client may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a collateral call. In many cases, the firm may increase its maintenance requirements at any time and is not required to provide a client advance written notice. A client may not be entitled to an extension of time on a collateral call. Increased market interest rates could also affect the applicable rate index that applies to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged are determined in part by (i) the market value of pledged assets and the net value of the client’s non-pledged Capital Access account or (ii) the line of credit amount as outlined in the Loan Agreement. Lines of credit are provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, member FDIC.