When you hear the term “financial planning,” you probably think of investment strategies designed to provide for retirement years.
But it’s important to have your assets, liabilities and cash working together today to fulfill all your financial needs.
Maybe you are planning on making a large purchase. Maybe the kitchen needs remodeling. What if a natural disaster threatens? For some things, you’ll want to have access to cash. For others, you’ll want to secure financing – a mortgage or line of credit.*
Your Raymond James advisor can help chart a course that allows you to live comfortably now, and also stay on track with your long-term objectives.
Whether you’re looking to purchase a vacation home, pay for an addition or acquire an investment property, there are many variables to consider in applying for a loan or line of credit.* With support from Raymond James Bank, your Raymond James advisor can help you determine the best way to borrow without disrupting your long-term financial strategy.
Thoughtfully managing your day-to-day cash needs can be as important a part of your long-term financial plan as making the right investment choices. Your Raymond James advisor can help you complete your plan with a variety of cash management solutions, including online access to all of your accounts through Capital Access, credit cards, and a cash sweeps program to diversify your cash in the same manner as your investments.Cash Management
Through Raymond James Bank, a wholly owned subsidiary of Raymond James, your advisor has access to a dedicated banking consultant in your area. Our team of mortgage consultants and securities based lending bankers can help you and your advisor identify the most appropriate lending solutions to meet a variety of needs.*Raymond James Bank
*A securities based line of credit may not be suitable for all clients. The proceeds from a Securities based Line of Credit cannot be used to purchase or carry margin securities. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. 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. The interest rates charged are determined by the market value of pledged assets and Capital Access.
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.
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