Maximizing Returns on Cash Investments

In a well-structured portfolio, cash is just as important as stocks, bonds and other investments. What’s more, the basics of sound financial planning suggest maintaining an emergency cash reserve that equals three to 12 months of your household expenses. Yet, most investors do not consider cash investments to be a priority. Cash accounts are often quickly chosen and then practically ignored. Over time, this casual approach to managing cash could cost a great deal in lost earnings.

Fortunately, Raymond James makes it simple to get more from your cash investments. Our diverse selection of alternatives enables you to earn interest on funds awaiting investment, access cash quickly and conveniently, choose the features that best suit your needs, and invest with security and confidence. Most important, Raymond James financial advisors are prepared to guide you in finding the appropriate cash arrangement for you. With our professional assistance, you’ll be able to implement a well-rounded cash management program that helps you achieve your goals

Performance. Convenience. Flexibility. Protection.

Raymond James’ cash management alternatives deliver these powerful advantages through unparalleled selection and service. This brochure, along with our personal counsel, will help you learn more about incorporating these advantages into your overall financial plan.

Performance

Raymond James recognizes that clients’ cash management needs range in both scale and complexity –from earning interest on deposits to borrowing against the value of a home. Our suite of cash management services is designed to help you address your unique needs thoroughly, and with precision.

In addition to being wide-ranging, our cash management offerings deliver exceptional quality. All of our CDs¹ and cash investment accounts provide highly competitive rates of return while our loan alternatives offer rates that are typically at, near or below prime. Automatic cash transfers (known as “sweeps”) to and from your brokerage account streamline trade payments and also keep proceeds from sells working hard rather than sitting idle.

Whether it’s financing a large investment, opting for a tax-exempt money market alternative or receiving rewards for simply using certain account features, Raymond James cash management alternatives help you achieve the results you deserve.

Convenience

Life is hectic. The last thing you should have to worry about is micromanaging your cash investments.

Innovative solutions from Raymond James help automate virtually every detail – from electronic deposits and payments to overdraft protection to free street name dividend reinvestment. Plus, through no-fee check writing and your own VISA^® debit card, you can directly access your funds from virtually anywhere in the world, anytime.

Raymond James’ loan alternatives are designed to facilitate efficient access to funds, as well. Your own personal line of credit makes it possible to receive funds upon request, often within 24 hours, while other alternatives reduce cash delays by accepting your loan application by phone, fax or Internet.

To make things even simpler, activity from all of your Raymond James accounts is reported on one comprehensive, monthly statement. Track your cash balances while monitoring your investment performance, gain/loss information and more – all consolidated and organized for maximum ease of interpretation. With so many features working to streamline your transactions, you’ll spend more time enjoying your cash and less time managing it.

Flexibility

Raymond James’ variety of cash management features affords you unparalleled flexibility. Low minimum funding requirements allow for considerable control over your personal investment agenda and our diversity of CD offerings enables you to tailor a maturity schedule to your exactneeds, ensuring you’ll have cash when you know you’ll need it most.

You can also ensure you’ll have trouble-free access to cash by establishing a personal line of credit, which enables you to borrow against the value of your assets and, in some cases, set your own repayment schedule. Mortgage alternatives provided through Raymond James Bank offer both fixed and adjustable rates, flexible payment schedules and expedient service to respond adeptly to your needs.

Protection

Knowing your funds are guarded against unnecessary risk gives you the power to invest with confidence. All funds held at Raymond James Bank¹ are FDIC-insured up to $100,000 per depositor ($250,000 for IRA and certain other retirement accounts) and each account custodied by Raymond James & Associates is protected for the net equity of your securities and cash positions. Raymond James is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $100,000 for claims for cash awaiting reinvestment). An explanatory brochure is available upon request or at sipc.org. We then provide additional protection (excess SIPC) through Customer Asset Protection Company, a licensed Vermont insurer rated A+ by Standard & Poor’s. Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations. At Raymond James, we think you deserve security with your cash investments, which is why we do everything in our power to help protect your hard-earned funds.

Raymond James Cash Deposit Alternatives

Raymond James Cash Loan Alternatives

Keeping Your Cash Hard at Work for You

Cash investments can greatly impact a portfolio’s performance. It is important to keep your funds hard at work through the most competitive, quality alternatives available.

At Raymond James, we understand the signifi­cance of smart, coordinated cash management, which is why we provide complete solutions to help you build the program that’s right for you.

Moreover, we strongly believe that in addition to offering a full range of investment and finan­cial planning alternatives, we must deliver the highest level of personalized service and support. It is a commitment our clients have come to expect and appreciate.

For further details and assistance in customizing your cash management program, please contact your financial advisor today.

¹ Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, FSB, member FDIC, a federally chartered savings bank. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc. companies are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, FSB, are not guaranteed by Raymond James Bank, FSB, and are subject to investment risks, including possible loss of the principal invested.

² Early withdrawals may be subject to penalty.

³ An investment in Heritage money market funds is neither guaranteed nor insured by the FDIC or any other government agency. Although the funds seek to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the funds. Investors should carefully consider the investment objectives, risks, charges and expenses of the Heritage money market funds before investing. The prospectus contains this and other information about the Heritage money market funds. The prospectus is available from your financial advisor and should be read carefully before investing.

⁴ The Dual Advantage Mortgage program is not suitable for everyone. A loan client may be at risk of losing money in his or her collateral account due to market volatility. This may require the deposit of additional equity into the collateral account, which could result in further losses. Though Raymond James Bank will typically contact the client or his or her financial advisor prior to liquidating pledged assets, Raymond James Bank reserves the right to sell pledged assets of its choosing without contacting the client, if needed to maintain equity in the collateral account. Trading in the collateral account is permissible provided that minimum balance requirements are maintained. If a loan client defaults (stops making monthly payments) on his or her mortgage, he or she could lose both the house and the securities pledged. In addition to regular closing costs, an annual fee may be charged by Raymond James & Associates, Inc. for manual administration of the pledge accounts. Please consult with your financial advisor for details. Products, terms, and conditions subject to change. Property insurance is required. Flood insurance may be required. Subject to standard credit criteria. Raymond James Bank is a member FDIC.

⁵ Ready Access is a margin account and may not be suitable for all investors. Borrowing on margin and using stocks as collateral involves a high degree of risk. 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 to meet the margin call, and the firm can sell the investor's securities without contacting him or her. The interest rates charged are determined by the amount borrowed.

⁶ Please consult a tax advisor regarding the deductibility of interest.