A Comprehensive Array of Customized Credit Solutions and Private Banking Services

Banking is central to a fully‐integrated financial management plan. We offer customized, innovative, and diversified banking solutions and services to our clients through Raymond James Bank. By doing so, we are able to go beyond traditional investment managers by offering clients not only investment advice, but also a comprehensive array of customized lending solutions and private banking services. This provides our clients with timely, cost‐effective access to capital without disrupting the investment strategy.

*Banking services provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank.

Cash Management
We offer a complete range of personal and business banking services to our clients through Raymond James Bank. Our online tool, Raymond James Investor Access, also allows you to aggregate any outside accounts electronically , such as an employer sponsored 401(k), so that you can see up to date values of all your investment assets in one, secure location.


*A margin account may not be suitable for all investors. Borrowing on margin and using securities as collateral involves a high degree of risk, and 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 investor, he or she may be required to deposit additional securities and/or cash in the account. The securities in the account may be sold by the firm to meet the margin call, and the firm can sell the investor'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. The interest rates charged are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information. Banking services provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services Inc. are affiliated with Raymond James Bank.
Lending Solutions
Through Raymond James bank, we provide pledged‐asset lines of credit, which provide ready access to capital that can be used for almost any purpose such as buying real estate, purchasing personal property, or small business lending. This source of liquity can be beneficial as it precludes the need to sell secrities , thereby avoiding a potentially taxable event and helping to ensure continuation of the investment strategy.

*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 securitiesbased lending products and using securities as collateral may involve a high degree of risk, and 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 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. An investor 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 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. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank.