A strong financial foundation for
real estate investors

As a real estate investor, you are likely busy managing multiple holdings while keeping an eye out for advantageous investment opportunities. Whether your priorities include preserving your wealth or generating income, we serve as a trusted partner for clients providing the tailored counsel where it’s needed.

If your portfolio is currently heavily invested in fixed income, we can offer strategies that suit your needs for risk aversion while still generating the income and liquidity you require should an investment opportunity arise. Whether you seek guidance in cash flow management, retirement planning, tax planning, financing, insurance or liability, we will ensure we have a thorough understanding of your long-term personal and professional objectives so we can effectively guide you each step of the way.


Real estate investors Beth and Dave are in their 40s. Over the last 20 years they have built a portfolio comprised of rental homes and apartment buildings as well as some commercial real estate. In an effort to minimize their overall risk, they are also heavily invested in fixed income, which unfortunately has not drawn the growth they were hoping for when compared to their expenses and inflation.

As they near retirement they want to make sure they can continue to travel, lead a comfortable lifestyle and support their favorite charities, while also maintaining some liquidity should a promising real estate opportunity arise.

To address each of their objectives and help them stay on a path toward a comfortable retirement, we would assist Beth and Dave by first consolidating and monitoring their real estate portfolio, taking cash flow, tax impact and long-term hold potential of their investments into consideration. We would also review their fixed income investments, potentially replacing some of them with stocks that may suit their tolerance for risk while generating the income they seek. For future opportunities, we can help them explore their lending options, such as a securities based line of credit (SBL). With comprehensive wealth management guidance and expertise on their side, we can help Beth and Dave to address both their short-term goals and long-term needs for retirement.

This case study is for illustrative purposes only. Individual cases will vary. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Prior to making any investment decision, you should consult with your financial advisor about your individual situation.

A Securities Based Line of Credit (SBLC) may not be suitable for all clients. The proceeds from a SBLC cannot be used to purchase or carry margin securities. Raymond James Bank does not accept RJF stock 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 Capital Access account. Securities Based 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.
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